I would have to agree with you. Sex is kind of overrated.
To me, I've always thought of sex as jerking off with more skin touching your skin. Although this does highten the experience to some degree, most of that skin has dull nerve endings. Really, the only bit that feels good is the head of the penis, and/or the shaft. So in reality, jerking off is about the same as sex.
However, I do think sex is an experience everyone should go through in order to develop their own views. Obviously you have all seen at least one guy who can't get enough sex. It's all he talks about, and all he thinks about (same for some girls). Every individual is unique, and until you've had sex, you really can't have a biased opinion on how it will feel once you go through it. Who knows... maybe you'll end up being that guy who can't stop thinking about sex.
An interesting observation I've made thoughout my life is the fact that, as with most other things, the buildup towards sex is always more exciting. It's like a boy waiting for summer vacation to come so he can get off from school, and then before you know it, summer's gone with a general feeling of "meh." The thing that you really got to savour is the buildup, the heartpumping moments when you are unsure whether this make-out session will go further, or will end soon enough.
Whatever the case, I'm sure with time, as I did, you'll understand that sex isn't about the physicality of the matter, but rather the bonding you two experience. I found that having sex with a girl, and making love with the woman you love are two COMPLETELY different things.
So I guess what I'm trying to say is that when you feel you are ready for SERIOUS relationships, dont rush. Take your time and enjoy the buildup, for it will make the experience all the more rewarding.
Thank you for your time.