Since we're being honest here;
My OH was almost 21 when he lost his virginity, whereas I was only 14 (not to him!), he also has a 23 year-old friend who is in a 2 year relationship but has not had sex yet... I do value the guy for sticking with his girl!
I personally believe that you'll lose your virginity when the time is right, and have always disregarded the age of consent in the name of "when you're ready, and in love, what can stop you?" I think that as soon as teens have been through puberty (ie. girl starting her period is like a cat being in heat, nature's saying they're ready) they are physically prepared for sex. They just need to be mentally prepared, which a lot of "let's smoke and get drunk" 12 year olds are not.
Anyway, on this note, I also think it's fine to lose your virginity when you're older! Some people aren't prepared until a much later age, or just haven't found someone they want to connect with on this level. Regardless of your beliefs, sex is always something special, in that it's completely different from anything else, and the closest you can possibly get to a person (you're literally inside them!)...
On this premise, I personally wouldn't have lost my virginity to a sex worker no matter how much I wanted to experience it. Why miss out on the awkward fumbling and 2-minute wonders and after-shag-snuggles? They're all a great part of the experience! Being with someone you love when you lose your virginity is a big thing to me, but this is different for everyone, so I'm not saying your considerations are bad!
At the end of the day, if you're aching to lose it but don't want a relationship, this could be a good option for you... Just make sure to keep safe if you do take that route, and be sure you won't regret it when you do get a partner and share virginity stories with them! ;D