LJones,
the only relevant fact to this discussion you raised was in your very first post on this topic. First line infact:
"I am not a pilot"
I am also young. No, not 17, but I do suffer the higher insurance costs, pay more for a rental car etc. And guess what, I live with it! Its a fact of life. Now I would rather get in a car with someone else who accepts that fact of life, than someone who thinks that they are an exception to it.
Flying, driving, spelling, sex, you eventually get better at all of it with time and experience. Don't go jumping the gun. Your girlfriend will thank you for it.
PS some light reading for you:
http://www.smh.com.au/news/national/...266510575.html
http://www.smh.com.au/news/national/...661747037.html
http://www.tacsafety.com.au/jsp/cont...ull&pageID=171