Am I dumb for waiting?

Okay, so, me (18F) been thinking a lot about what I want in the relationship/sexual experiences department in my life, and I got to the conclusion, I’d like to wait for a trusting and loving partner to actually give myself to him/her. It all sounds completely fine and normal, but I’m kind of worried that waiting will bring me nothing, I don’t really wanna see myself with 40, still a virgin, having to hire someone to do the job for me. (that’s quite dramatic, but still). And also, knowing this society nowadays, is it even worth it? I don’t want some asshole to just fool me and leave (I’ve seen many stories too about girls that lost it after 3 months dating and it was over). Or maybe I’m asking for too much?