am I too young?

I'm 16 and have been with my boyfriend (almost 20) for over a year. And I used to say that teens who claimed to be "in love" were ignorant..because all they are feeling is new and they don't know what being "in love" means...but now, I so desperately am wanting to use the term "in love" to discribe what I am feeling. And I'm just wondering if I am just acting like one of the naive teenagers that I used to roll my eyes at early, or if I am truly in love with my boyfriend. I mean, I actually can picture us getting married and spending the rest of my life with him. I can't see my life without him and it's all so scary but such a wonderful feeling at the same time. I'm just so confused...I hate being a teen..lol. If you can help me out...I'd really appreciate it. Thanks