I had grappled with the same issue when I was a teenager. Growing up in an Eastern culture means no sex before marriage. My mom used to tell me that my virginity is the sum of my worth. If my future husband finds out I'm not a virgin anymore, he would think I'm worthless or worth less. This is assuming my husband would be of Asian descent with a conservative upbringing.
It took me some time to learn that it was okay and to come to terms with my fear of losing my virginity. Lucky for me, my mother was willing to learn and open her mind. We ended up having healthy sex talks. She taught me a lot of things and I gave her new information too. I was so grateful my mother was a best friend I could talk to about this stuff.
I also learn another thing. What our parents fail to provide for us will eventually make us better parents. I'm not a parent yet but as you say, I would definitely want to have a healthy sex talk with my kids.
Thank you for sharing this food for thought, Jessica! Always great to read your writings :)