I don't see what you guys are debating about. Pulling out is in no way safer or smarter than wearing a condom.
About you having sex, if you believe you are mentally and physically mature enough to handle sex, what it is and what may come with it, and are fully aware of the consequences and how they would play out on your life, then I said go for it.
About you having sex, if you believe you are mentally and physically mature enough to handle sex, what it is and what may come with it, and are fully aware of the consequences and how they would play out on your life, then I said go for it.