Her Discipline is abnormally high, so I use that as a justification for acting more mature than most preteens, but I have been having her be more emotionally pained by this matter more so than anything else that has ever come before.
As for age, some of my acquaintances have suggested waiting until her twenties to acquire Wizard's Constitution [-0], so as to give her time to think.
While I haven't read the whole thread, I would have to say.... go for it! You're freaking 12, even if you have a high discipline. Look to Ivy, if you need any hints. I mean, wait till you're twenty.. that's like forever when you're 12. I still remember (and I'm 51) when I was nine, and I was at my grandmother's house and saw my uncle on his way to the bathroom after a late shift and thinking how old he looked..... and he was 27 back then.
Youth is when you make bad decisions, and take risks.
Kids should do dumb things ever once and a while, even if they know better!