Handling Waiting For Sex

I'm a virgin and I've just started dating men. Since I'm a bit of an older virgin at 20 and since I was raised religious and have a touch of moral perfectionism, I put I high value on sex and know I'd regret losing it to a man if he isn't close to being my husband. My ideal would be to only have one partner in my life. The only issue is I feel like most men aren't down with that, and like there's a ticking clock to how long they'll wait. I'd be ok with doing other things, but I'd like to wait a long time for intercourse like maybe 1 year or maybe til engagement. How do you explain this to a man if he keeps trying and you keep saying no? How do you say no to going to a man's place, and how do you explain your limits if you're at a place where you want to go to his place but don't want to go all the way? I'm talking to a new guy and already this is concerning me, which may be a bad sign. I don't want to do it just as a way to keep a man.

I also don't operate on physical attraction. Ofc it's important to a degree that he looks attractive, but my first kiss happened after two months of knowing the guy, if there's no emotional connection I'm not interested sexually. I feel like alot of men are the opposite though and I don't want them to think I'm not interested in them, I just need time.