It is absolutely clear from your writing that you have very definite views about marriage and sex. While it is purely a personal view point - to have it or not first of all, and if decided to have it whether to have sex before or after marriage - I am sure that many people will definitely agree with your view points stongly supported by facts. Your views are very mature and clear - may be because you said you are 30 and a female. A female should assert at your age no matter she is married or not. But if this question is put to a 20 year old unmarried woman, the reply need not be the same as yours.
A person forms his or her opinion depnding on the circumstances he/she was brought up and the company they keep. It also depends on the social status of the person concerned.
While sex is to be enjoyed by human beings unlike animals, the circumstances leading to that should be planned and based on a firm institution. In any case avoid casual sex, that is what I advise.