Your body is to special and no two are the same. Waiting will give you that special bond with your husband that no one else will ever have. As for me, my first is the father of my children, and we are getting married. We waited over a year before making love. 19 and 3 months later, I got pregnant with the first.
Life is short and there are millions of things to do.
Some of those I can never do now that I am responsible for 2 kids who depend on me with their lives, literally. Imagine that especially if your family is not around. Friends don't understand what it's like to have a child. Going somewhere spur of the moment is almost, impossible. Packing bottles, snacks, diapers, dressing, you and someone else, blankets, etc.