Is "sex before marriage" overrated?

Ok, I haven't had sex with a girl yet because when I was younger I decided to wait until I was married. Once, I was asked for a "one night stand" by this stunning girl back in high school. I kindly declined and told her I wanted to wait at least until it means more than just a one night stand. I never saw her after that year ended since until, today she added me on facebook and she turned out to be an underwear model!!! Is virginity honestly overrated? I missed out on the most attractive girl I will ever get, I feel so damn depressed!!