I only disagree on one part of this (highlighted in green). In most games, if they look that young it bothers me. DMD is a perfect example. She looks like an 8-year old with big tits bolted onto her chassis. To be it totally hits my radar as 'pedo simulator'. Which is fine, if that's somebody's kink and it helps them maintain things, but it does nothing for me.
Emily is kinda borderline, because you're right, she does look about like she's 15, but she's on the underdeveloped side of it. I'm enjoying the game so far, but because of the creeper factor I'm leaning much more toward Ashley or even the woman of the house (whose name I just totally blanked on, my apologies). Or the doctor. Or the girls at the club... None of them hit my 'ick' factor.
Some of it simply comes down to the model design if nothing else. Some devs put a lot of work into the customization of the character's non-clothing-based appearance and that can make a difference. The right touch of cosmetics or a hairstyle change may be massive. I don't care if you swear on your holy text that a character is 25; if they look like they're 12 years old, I'm out. I need to be able to believe they're at least 14+ by looks alone. Others may not, and that's perfectly OK, but when the developer then decides that the most youthful of their cast is the one the MC is intended to be permanently attached to? ehhh.. that's not best kind of statement to make.