I'm not sure what's meant by "freely choosing." I had opportunities for sex before I got married, and chose not to. My choice was based in my moral understanding, which was formed by my upbringing and my friends and family. But I didn't fear violence or financial repercussions from them if I fornicated.
Now that I'm married, I'm ambivalent about my choice. The consequences were not entirely positive physically, emotionally, or relationally. Nor are my moral principles so strong that having stood in them provides sufficient comfort for my present difficulties. I won't say that I regret my choice not to fornicate, but I won't say it was worth it, either.
What I would say to someone who is trying to choose, is that choosing not to fornicate before marriage may have 0 physical, emotional, or relational benefits in marriage. The self-respect of standing in your moral principles may be enough to make it worth it, but expect only that "reward."
Likewise, I've given material gifts and regretted it. I've spend a lot of money or time on the gift, and it hasn't been used and/or appreciated. I didn't expect a tangible return, but did expect certain good feelings. (FWIW, I absolutely do not consider my virginity a gift to my husband.)