One of the bigger shocks of my life was.... when I realized, at age 13, that a man doesn't insert his penis in a woman's urethra... and that babies don't come out of there either....
Yeah.. that was when I found out I had a vagina. And that pleasure and pain will be coming through there.
(addendum: Please do not misconstrue the above post as my first time to finger myself or let some others do it to me... or that I already engaged in sexual encounters at that age... I had my first period then, and you know, you wash yourself and all when you have a period... lolz... of course, guys can't relate... but oh, anyway)