heres my experience on the matter:
it really depends on the girl.
when i met my current gf, she was 17 and i was 22. there was a big time attraction between us, we really hit it off... and even though there was the risk i went for it. she was very mature for her age and when we spent together, our ages werent really any issue. more of an inside joke between us because of how "bad" it is
but i knew going into it that she would get super attached. she was a virgin, and had strong morals from family/religion. but i respected that. after being together for 4 months i took her virginity...
its kinda crazy but we were about to celebrate our 2yr anniversary. we live together, have our fun and she even helps me with my business. my previous gf was an older hot, asian, successful career-driven lady. the ones before that were all between 19-28... without a doubt, even though she was underage when i found her, this is the one i love and respect the most.
and if i let the risk of her being underage stop me from pursuing her, i wouldnt be where i am today.
im not saying its ok to hook up with every hot young girl you see. but if its something you really want and think its worth the risk... as a man thats a decision you have to make for yourself. just know that young girls tend to be immature and super clingy. dont get stuck with a basketcase.
-slb