My experience mirrors yours pretty damn closely. My parents worked pretty hard to instill a fear of sex in me. I was 30 when I finally had sex, and I was (pleasantly) surprised that I felt no shame, regret, etc. afterward. I’m curious: do you regret having waited so long? I’m of two minds myself. On the one hand, I feel like I missed out on a lot,but on the other hand, if I’m being honest, I’m not sure I had developed a healthy view of sex until shortly before I became active, so perhaps it’s for the best that I waited so long.