My girlfriend and I are waiting. Neither of us have had sex, and while we certainly look forward to it once we're married, neither of us regrets waiting.
I always wonder about the idea that sexual compatibility is so vital. If my girlfriend and I have had sex before our wedding, and something fundamentally changes about my ability to have sex after our wedding, or the methods I would use (impotence, loss of limbs, etc.), the compatibility thing becomes irrelevant.
Ultimately, it's irrelevant anyway. Sex is an important part of a relationship, but as a Christian, I believe it is an expression of love based on entirely different premises. For me, it is an effect, not a cause, of a solid marriage. There are plenty of people for whom this works. I see no reason why sex before marriage should be necessary at all.