I listened to your virginity misconception and I would say it's simply a case of overthinking it, and giving weight to something that doesn't deserve it. Just think how many people have had sex, and how many people are having sex right now. Nothing is more overrated than sex. Don't make it into some grand event, I think that is the problem.
We are first taught by our parents that sex is some taboo, which makes us think it's something mysterious and captivates our imagination, then we grow up with teens with their overblown and exaggerated stories of how they lost their virginity, then as we get older we see it in films, and hear immature adults talk about it as if they've reached the pinnacle of life by having sex.
If you want to experience sex, try Tinder or Happn. But don't be fussy, even look for older women, and I wouldn't give any long speeches, not just about virginity misconception but about anything at all. Just keep the conversation simple and lighthearted. Women tend to like to talk about Netflix and music and things like that. Just nod your head in agreement and keep buying her drinks.
After a few drinks then it's the tricky part, getting her to go back home with you. Beforehand, when she's notably tipsy and her eyes are watery, subtlety move your chair next to hers, without making it look conspicuous. Complement her on some characteristic, like her eyes (all women love that, especially when you're looking at them while your saying it). The perfect eye contact is made when you can see little white dots towards the top right of her eye, and look right into her pupils. She'll probably look down then back up again; the sign she wants to be kissed. Don't kiss her in a haphazard way but gently and calmly, pull back after a few seconds, make eye contact again, then kiss again, this time for longer and more passionately, though don't overdo it.
That's the hardest part over and done with. Then, return to the previous conversation and occasionally kiss her, though be careful not to overdo it, once or twice more is sufficient. Now say that you've got some drinks back at yours, some gin (Bombay Sapphire is a woman's favourite) and tonic, and ask if she wants to come back with you. At first she may decline, depending on her age, if she does, say it'll only be for a drink, nothing more! Say this with a cheeky grin, and she'll pretend to reluctantly agree.
If you haven't had sex before, this is the difficult part. In this case, the golden rule is this: do not tell her! You'll probably need some viagra, take this just before or after you get in the taxi, making sure she doesn't see. Typically it'll take 30 to 40 minutes to take effect, you'll know when it has as your face will heat up. Then make the drinks and casually lie her down and kiss her calmly, while slowly undressing her. She'll willingly give you a hand in that. Then proceed to lick, then insert.
Basically don't get yourself worked up over all this. Think all that is happening is the exchange of a bit of bodily fluid, nothing more, nothing less. It'll be over before you know it. And don't worry about finishing before her, even if she says she hasn't cum, disregard this as the priority is to lose your virginity. In any case, if you've taken viagra she shouldn't have to wait very long.
After it's done I promise you you'll be thinking "all this contemplation about that! Something so simple and nowhere near as pleasurable as it's made out to be!". The key thing in all this is to not take it seriously, there is nothing serious or important in sex. Something overrated and blown out of all proportion by arrogant teens, frigid parents, and immature adults.
Though a final point would be I'd agree with your friends about the prostitute. But if you don't want to go down that alley, then Tinder or Happn are the best bet. Good luck.