Pre-marital sex/cohabitation!

[Moxie]

Can anyone here speak from personal experience or second-hand experience when it comes to pre-marital sex vs. waiting for marriage or cohabitation vs. waiting until marriage?

I am requesting the testimony of someone's personal experience so that statistical citings stay out of the equation. I have heard some people cite divorce statistics for those who choose cohabitation or sex outside of marriage, and I can't help but wonder about the source or accuracy of those statistics. Perhaps they were passed on from a religious authority as a scare tactic for teens in youth groups. Perhaps they were passed on by an organization who believes that sex is only for procreation.

Do warnings about pre-marital sex/cohabitation apply usually to younger folks (teens, twenties) because their emotions and impulses are less controlled/mature than someone who is significantly older?

Are Biblical warnings against pre-marital sex taken out of historical context? Is it that because in Biblical days, birth control was limited or non-existant and because women had very few rights?

I am trying to separate sexual repression and control imposed by the church from proven, concrete reasons for not having pre-marital sex.

Any thoughts?