Am I ready to have sex?

Okay so me and my bf have been together for a year and 5 months. I'm 15 and he's 16. We've been talking about sex for a while now but we haven't actually done it yet. We've taken basically every step leading up to it (oral, eating out, etc) and I know that he is absolutely the love of my life even tho were young and he is without a doubt the person I wanna give it to. A lot of my friends aren't virgins ( my age) as well as a lot of his friends, which makes it seem okay... He really wants to do it but he also says he'll wait til I'm ready. I think I'm ready but the thing is, I just don't want it to tear us apart like it's doing to my best friend and her boyfriend. Everyone tells us we should because we've been dating for so long and have established a strong, solid relationship in that year and a half we've been together. So all the signs seem to point me toward yes, but the only thing standing in the way is my own feelings. I want to, but I also don't because a) I'm nervous, b) I don't want my life to be ruined at such a young age (if you know what i mean), c) I think part of the reason I want to is because my bf has been pressuring me into it, d) I don't want of only be doing it to catch up with my friends, and e) I always imagined myself being at least 17 before I lost it. But then again I never imagined I'd meet the love of my life at this age. Were in love and were soulmates and were meant to be together, I can feel it in my bones. And were both mature and responsible for our ages. So should we...or shouldn't we? I am so confused.