Like in most isekais the people who actually die are usually in their early 20s and also they dont completely remember their past life once they prohress their next life as a baby so that can be one factor why the mental age is somewhat same as their physical age in the current birth.
For the mc in this story, well other than the awarenesses maturity around her is more but again she used to die everytime after she turned 20s so theres her mental age reset too.
Please don't make her fall in love with the blonde kid. it's not like she is even mentally a child she is more like an adult even when it comes to her way of thinking