I often see some variations of this:

I am preserving myself from potential hurt.

for why women make men wait for sex. However, making him wait doesn't solve the problem of him losing interest once he gets it and it creates the problem that he might think you are not into him and move on. Also, I think this strategy disqualifies many otherwise desirable men who don't have the patience to wait. It seems to me that the benefits of making men wait don't outweigh the costs.

I want to gain more insight from the women here about where exactly this "hurt" is coming from. And why the benefits of avoiding this hurt outweigh the costs.

Do you think a woman is better or worse off for not engaging in "hookup culture?"