Heres advice from an old married guy...
Waiting to have sex just because you have a certificate of marriage is a joke.
Its nothing more then a 'technicality'.

The real issue (if your into religious morals and all that) is wait until you can commit fully to that person. This is if your into religion. If youre commited to your partner then bang away.

If youre not concerned with morals/religion etc then primarily protect yourself from disease, unwanted preg, and emotional/physical abuse. Otherwise have fun.

Oh, and if you think after being married you'll enjoy tons of kinky hot sex, I got news for you, the odds are wayyy against you. Most married people dont have that much sex. Oh some do, and there are the swingers and all of that...BUT the vast majority find themselves with a mediocre semi infrequent sex life. Thats the truth.

The real key is DONT marry unless youre really a good match. And generally to find that out you will need to take a 'test drive'....or a few hundred.