Females only Please.... First Time?

Hi, I'm 16 and I'm still a virgin. It's not that I'm scared to have sex, I just don't want to give myself to any random guy if he doesn't really care about me. the first time I even kissed a guy, I became really attached to him. My mom and I have a very good relationship and she told me that it would hurt the first time. I have been "fingered" once before and it hurt, but it wasn't excruciating pain. The next day it hurt for me to go to the bathroom, but the pain went away by the next morning. My question is how do i "get wet'' before he goes in? I've always thought that it hurts more if I'm dry down there. Just tell me what should I do. I'm confused and curious.