@Braytc,
1. Go with one... Be assertive and age is but a number, if she feels that you are too young so be it, but you don't know if she is after a long term relationship or just a relationship of some sort, you don't know her past and you won't know unless you ask her out.
Life is like that.
As for distance they work but require a lot of effort, bare that in mind as it's not about being with your mates all the time and texting or phoning her when you get home, if you enter a relationship she is just as important if not more than your social life.