Kgirl, guy perspective here.

This lad needs to grow up a little. And he isn't going to move forward if he doesn't feel he's lost anything. And if you have sex with him, why would he think he has to change a thing?

He'll walk away thinking you're ok with the status quo. Knowing that, how does this move the ball forward? My goodness, you're 28! There is so much better out there for you.