I think the use of LGF (little girl friend) is not really accurate - just wishful thinking. I don't know why people keep using that term here. I am assuming that she is not actually your girlfriend as that would be nearly impossible to accomplish in this day and age. If you are her babysitter, then you may simply be an amusing distraction for her.

I have every reason to believe the stories. It depends on the girl really and her parents. I was bathing my niece up to the age of 11. When I say bathing, I mean running it for her and sitting with her while she washed herself, not touching. She even had small boobies. I suppose because I had a boy a year younger there was never any problem. They bathed together.