If you're questioning it then you probably shouldn't be doing it. That's a pretty safe test for most anything, actually. I'm pretty sure that you know what the best answer is, and maybe you're looking to us for some persuasion one way or the other. My suggestion is to invest your time together in other ways.
Ask yourself this question: are you ready to take on more responsibility in your relationship? I say this because there are responsibilities that inherently come with being sexually active, and there are even greater
potential responsibilities. Think about it a bit, and don't let anyone pressure you into anything.