Red flag alert on this guy, him wanting sex since day 1, means he just wants to do it and split, you have what most girls dont and thats virginity, wait to give it to the person you marry it be well worth it. Since you are not giving it up to him, he wants to put a guilt trip on you telling you that you should have told him sooner, as a man he should know to wait until marriage, thats what a true "MACHO" man does. He just wants to put the guilt trip so that you will give it to him, he wants you to think negative things about yourself so you would give it up. I wouldnt worry about anything he might think, and dont worry about turning him off, if you did, you are better off without him. Because in the long run you might regret giving it to someone that you are not with for the rest of your life, you deserve better then what he is giving you.