In the New York metro area a 20 year old virgin is unheard of.
That is a ridiculous excuse not to be one (or to not try to be). Succumbing to peer pressure is never a good thing. If you don't care and just want to fornicate, fine; and conversely, if you want to abstain, also fine, but to lose your virginity just because it's "unheard of" to be a 20-year-old virgin is possibly the worst reason to do it. Sorry if I'm being too blunt; just calling it like I see it.
Your ideas come from your geographical location and your limited life experience.
I'm from a similar geographical area as you, and yet I agree with Brody on the subject. Geographical location has nothing to do with it, at least not as much as the way we were raised. Brody and I both come from devout Christian households, similar to Debby. That's why I really think Debby would tend to agree with us, although I concede we can't know for sure.