I don't think Charlie was saying don't see a provider or stigmatizing it at all. He/she just seemed to be suggesting to think it through before choosing that route and to make sure the OP chooses a "good" one if he does (seems like an obvious point).
I made the comment about the John Hughes film awhile back. I think most guys are not looking for a magical moment and just looking to "get it in" the first time. I know that applied to me. It seems like the OP has made it up into a big deal in his mind, and is also looking to get it over with as well.
I believe, like it appears you do as well, that a few years from now, the OP will realize this was all to do about nothing. It's just sex. I honestly don't believe guys look back at their first time like a scene from some sappy movie. For fear of sounding like a mangina, yes, sex with feelings is definitely better then sex with a stranger ... but that ain't bad either. After the OP has been with a few different ladies, loved and lost, and basically just gained more life experience ... he will probably realize the first time was really just the first of many.