Actually, we've already done it.
And truthfully, it has nothing to do with naivety, or "waiting for the right one".
What it does have to with is...
1. We want to make our wedding night 'extra' special. So early in our relationship, when it was evident that we both wanted to marry, we mutually agreed to stop what we were doing and wait. What I can tell you, is that what we 'were' doing was just fine at the time.
2. Birth control isn't 100% effective. And we don't want any surprises before the wedding. She got pregnant with her first child despite being on birth control at the time. Not to mention, that up to a few weeks ago, we weren't living in the same state. I would not have been able to properly care for and raise a family in that situation.
3. Early in our relationship, we decided that we wanted to build a Christian marriage. Sex before marriage is inappropriate according to our faith.
Finally, being good at sex with your partner isn't something you're just 'born with'. If couples are honest and open with one another, their likes and dislikes can be learned over time. And intimacy is about more than sex. There's openness, honesty, trust, consideration, passion, and a score of other characteristics a relationship can have that all add up to "intimate". And we even know some of each other's sexual likes/dislikes. It's not like we don't *talk* about it. I know few couples who are as intimate as my fiancee and I. I feel like I know her soul. And she knows mine.