People mature at different ages, for many reasons, some early, others later. Yes, a young woman of that age is most capable of loving and with all sincerity. However, might the relationship be based on your wanting to love and protect her, rather than a two way street ? This woman might well be your soulmate, the way to find out is not to imagine the future with her...try to picture it without her. If her feelings echo yours, you are onto a winner ! You might well break her heart by ' letting her go ' . Talk to her about your fears, I think you might well be surprised.