I completely agree that most teenage girls in our culture and time period are not psychologically prepared for having children. But that is because our culture babies children in ways cultures of the past did not.”
This is a half truth. While many young teens may not be ready for marriage, many of them most definitely should be getting married. (Past puberty) It’s not like maturity increases the older you get. In fact it’s even a dangerous lie to tell teens that they are “children” or “adolescents”. As to your daughter not being ready at 12, why isn’t she ready? Even you agree that it is wrong to “baby” teens, so why would you purposely infantilize your daughter to where she is not capable of functioning as a woman when she is pubescent? Dont follow the culture. Follow what Paul said about being an adult.

Here’s a good video where a prominent psychologist even states that many teens should be getting married. https://youtu.be/N_pKVCGJ7E4