I unterstand you! To play safe, I most time says that's my chars are 18 or above. Okay as a story writer it is easier. I just need to describe cute chars and still can write about the stuff I like. :)

If it comes to Loli stuff, as said, it's about cuteness! Many lolis I love are not even true Lolis:)

Like miho nishizumi ( girls and tanks) ,Totori. (From the Atelier series). Namine/ Kairi. Colette (from tails of symphonia) etc.
Character like Wendy Marvel is as far as I go ;) ( But their is also a cute adult version of Wendy in the anime)