Getting back to the marriage contract, which is the main point of this
question: if the girl is too young to protest, since she could not
have possibly given her consent and remained "silent", she would grow
up into a relationship and a situation that she did not choose. And
even if sexual intercourse is postponed, she would eventually ...
Of the four madhabs, Hanafi allows some leeway here while the other three require the consent of your wali. Regarding Hanafi, https://daruliftaa.com/nikah-marriage/does-the-hanafi-school-encourage-marriage-without-the-guardians-approval/ covers the details better than i could, alhamdulilah.
Bear in mind this is Allah's law. I would advise against thinking ...