Hmm i actually disagree with some of your statements

Of course i can only talk about how i was "raised"
well the first time i knew how people got babies was actually when i was 6

i was in school and a fellow classmate asked how you got children and we all got the answer
i have NEVER had THE TALK

with my parents, and i am glad i havent. (i am 18) i would be freaked out if my mom started talking about masturbating, and how she and my dad does it (i try to live in happy denial

)
at the age of 10 i still pretended i did not like to see girls that were almost nude ( i did like it) i was 11 when i started masturbating. I watched porn from that age, and i havent turned into a monster because of that. I like it to be romantic, i want to love the person i do it with, and i do not find porn "realistic"
so as you can see, i am not some porn freak because i learned some things from porn.
I would personally be disturbed if my parents tried jgood4u's approach. :S
i live in a home where we do not talk about sex, only as fun remarks, but not about our own sexual lifes (we are not religious any of us)
But the reason why i dont think i have had the talk, is because my parents dont suspect i have done anything (i am addicted to privacy, i do not talk with them about girlfriends and such)
its just my 2 cent