Your thoughts/opinions & advice please

Well im not sure on how to ask this one. but basically im kind of with this guy, although officially we’re not going out. his coming round to my house on friday after I’ve finished school. we decided over christmas to have sex & although we might not end up having it on friday I want to be prepared. a lot of people (my friends) think im making a big mistake. I used to think he might be using me but I talked to him about it and was fine until the other day he refered to me as a “friend” so I spoke to him yesterday about how I felt and he said he wanted to have sex with me for the right reason which was that he liked me & I have to accept that. I know that if I do go ahead with this I may end up regretting it, but isnt it better to regret doing something rather than regret not doing it? there isnt anyone I’d want to my virginity to more than him, the way he makes me feel is amazing & so undescrible. one problem is that is 17 and im 15 (nearly 16 although still underage) however im extremely mature for my age and grown up, I still can be naive as many teenagers but I think im older enough and responsible enough for my actions and he knows the risks involed. his knows im not on the pill or any other form of contraception and of course we’ll use condoms although there arent always reliable. So I was just wondering you thoughts/opinons and advice on the whole “thing” thank you x