I know legally its wrong until she is 16 to perform any type of sexual act, but I'm asking morally. We get along great, she treats me better than I've had in awhile, but every time I almost make that jump to date her something stops me. Sometimes just the thought of dating somebody that young seems too weird to me. I've been single for like a year and she's the youngest person I've ever thought about dating. She doesn't want to wait till she's a little older, so it's kinda like a now or never thing.. I'm kinda leaning towards never?
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Definitely read your local laws, and remember that often the worst thing is getting labeled a sex offender...for life (and no they don't really make a big distinction between you and child rapists).
So you're 1.266 times older than her, you've over one and a quarter as many years that isn't really insignificant. It is noticeable, beyond just the legal adult vs legal minor divide. It's not just the number, but also the four years of life you've experienced that she has not.
On the other hand, you would not be the only guy to date someone younger. There is a long tradition of older guys going out with younger women. My sister's roommate is in her early twenties, her new boyfriend (also her karate instructor) is in his 30s. Bigger difference in number of years as well as ratio.
But I think you already had your answer before you posted. Your gut is saying "no". She might dig the idea of dating a guy that's an adult, but as that adult you know better. Differences in level of maturity are what you really need to look at, it's subjective but chances are you're playing on an uneven field, which can result in an unequal relationship. There's a reason the only place you hear about older men getting 14 year old wives is one the news...1