SPOT ON. I had a very similar incident. I was on a date with a girl I had asked out at a new gym.

Excellent chemistry, salacious turn of talk, and out of the blue she says she's 17.

Could've kissed and done a ton more, but my internal compass hesitated like crazy and I somehow escaped the situation without doing anything.

Granted she was going to turn 18 in 2 months but the potential legal and moral trouble would have been too much