No, it doesn't sound stupid at all; it just sounds familiar. Most people are worried about sex before they experience it.

Part of that is healthy worry. Sex is serious enough--emotionally and healthwise--that taking it lightly is not usually a good idea. People expose themselves to all kinds of risks if they haven't educated themselves and/or matured enough to make good decisions about sex.

No amount of reading or talking or getting older will tell you exactly how it's going to be for you, however. Because no two people and no two situations are the same.

So, beyond learning and maturing, your best asset is probably your own common sense, the very same common sense that you would count on to handle anything new or different.

The way you ask your question makes me think you're not the kind to throw caution to the wind in any area of your life. I also suspect you're eager to find out more about sexual issues, and gURL's book "DEAL WITH IT" may be a good place to start. Here are some resources from the book.