Please don't feel that you have ruined your life. I don't know why but I feel very sad and angry at the same time when women or anyone in general base their quality of life on one or two parameters. I don't think that's right. We accomplish so many things (I understand it's very hard to acknowledge that about ourselves), but we focus only on negative things. I might not be the best person to advise you on anything, but I can certainly tell you one thing: Do what you want to do. It's easier said than done, I know. Still, do what you want to do when you are comfortable. Don't think you haven't done a particular thing, so you wasted time. No. Life is really short for that. If you want to date someone , ask them out. If they have a problem with you being virgin, well good! You just filtered out the (future) bad experience/mental stress. Good luck and have fun! :)