In response to:
To me... if you are even asking this question... you have given yourself the answer - not yet.
Excellent point, as usual :-)
I don't presume to speak for any men, but I believe that for most women, having sex makes them feel more emotionally connected to the male; it creates a sense of emotional and psychological intimacy which hasn't had time to develop yet in other areas of the relationship if it's too new.
Letting someone put a very personal part of his body INSIDE YOU, in a very personal place of yours, IS an intimate thing, at the very least on a symbolic level. It's opening ourselves up to someone in a special way that has emotional implications.
I have found that for me, doing that before I have a reasonably good sense of who someone is, creates a false sense of intimacy that is easily shattered as I get to know the person better.
I have NEVER regretted waiting to sleep with someone, but I have in the past often had MAJOR regrets about sleeping with someone too soon.