Answer if you lost your virginity before marriage?

Ok so I'm a male 12 year old catholic (I know young, but stick with me here). We learn and I believe that we should not use God's gift (xxx) before marriage. Well I have looked at stuff like this and about everyone has said that they have xxx before marriage. My question is why do it? I mean you could risk pregnancy, an std, and probably other things I don't know yet. I know it's awesome to do it, but why risk it? I've herd of 13 year olds having . I think is pretty bad, now don't think that I'm still on the "ewww! girls have cuties!" stage. I have hormones (unfortunately lol) and if I see a beautiful girl I'm interested. But not in the sence of having xxx! I want to (trust me, I know a lot of people do) but I'm not going to till marrage.