She's not saying waiting is dumb. She's saying using it as an excuse because you haven't had an oppurtunity for it is dumb.
What does it mean? It means alot to me. It's my conviction. If I break it, I'll always have an itch in my mind about it. It'll be annoying. What-ifs don't bother me, Since all those what-ifs could be played out with a wife by my side.