Op. I think you already know your answer. Much is in your own mind and obviously you and a 20ish-yr old cannot possibly share the same cultural bonds. Imo, regarding the younger providers, she is there willing to be that for you, but you, as the person with more life experience, need to find with her the common ground in which to build that experience. Find out about her, then you can help guide the experience into a place of sharing. This is also why some of the more experienced providers want at least a 90min first time. To "get to know you". They already understand this and know how to guide you through that process.
Good luck