Is it okay to have sex in college?

Okay, don’t think for a second that I’m Amish or some delusional ultra-religious nutjob or anything like that. My reason for asking this question is purely logical and personal.

I know that many college students have sex, as well as many high school students, but then again, there are many things that high school and college students do that I personally disapprove of. I know that I shouldn’t drink, smoke, do drugs, rape, steal, rob, or physically harm someone because those things are bad for me and others. However, sex is more of a moral gray area - I know it’s not “bad” per se, but it’s also not something my parents (and society) would be thrilled with me doing. I realize that I shouldn’t be so puritanical (I have no reason to be, I’m an agnostic), but I still can’t help but think that sex is somehow dirty or sinful, even if it harms neither party.

Sex also brings with it many complications. Faulty condoms, STDs, unwanted pregnancies, lost innocence, being raped and killed by a gay serial killer (unlikely, I know, especially because I’m straight), and feeling dirty and guilty for giving into my impulses are a few of the things I would have to deal with if I had sex, not to mention the fact that a girl could accuse me of raping her just for the sake of revenge. Is sex in college worth all the additional suffering and stress it brings?

I realize as I’m writing this that I probably sound really paranoid and neurotic, but in reality, I’m only mildly paranoid and neurotic, trust me. I know that casual sex is a definite no-no for me - I tend to equate it in my mind with drinking and drug use - but what I’m really wondering about is whether or not it’s okay to have sex with a girl I know well and trust in college; in other words, would it be okay to have sex with my hypothetical girlfriend? As stated above, I have no religious beliefs that would stop me from doing it and my parents would probably eventually accept it, but there’s still a nagging voice in my head telling me it’s wrong. Is it wrong?