My boyfriend thinks I should try masturbating before we have sex. It just doesn't feel right to me. I want to be with him and just have him hold me. It's not about just having an orgasm. I don't know how to make him understand this?

Also, my boyfriend wants to have sex. My body feels like it is ready but my brain is saying I should wait. Is 16 to young? I'm afraid he doesn't really love me. I want him to be committed, how should I tell him this?