I think sex before marriage is a good idea. I know it's sweet to save yourself but if two people don't click sexually, that will put a strain on the marriage.
The only things I consider immoral are acts where disrespect or non-consentual sex is performed, where children are involved, or if it's done while in a relationship but you're cheating with the person you're having sex with.
Sex that is enjoyed by the people involved is pleasurable, not immoral.