"I agree with warrior, just hit it and move on."
My last girlfriend, I fooled around with (Finger, titi f***ing, bj...never got to the sex part and I didn't force the issue because she clearly wasn't ready and not even comfortable with the fooling around she later told me) the last girl I dated and got attached, not because the fooling around was so great but because she was really pretty and a decent person. What's going to happen when I have sex?
Some people have hit it and quit it in them. That's not me.
"Anyway, when it came down to the crucial moment he worked himself in to such a panic that he ran out the room and sat shaking in his car for bout an hour."
Yeah, I'm not Jason Biggs from American Pie. I saw that girl wearing nothing but panties and was fine nervous-wise and I have no problem getting erect or getting over-aroused.
"My advice would be to get it over and done with this one. Chances are the first time it wont be great..."
I would agree if she didn't have the two kids and there's a chance of me getting attached due to the physical closeness of sex. I don't have it in me to be a replacement father ever but especially not now.