It might sound awful, but this is one of the reasons I avoid dating 28+ girls (I am 29 myself). 1. Too much pressure. (even if it is not explicit, given her standing, it is implicit) 2. I don't know if she likes me for me, or just because her clock is ticking. On the flip side, girls it have really really easy on their early 20s. That might create an "suply is infinite" kind of thinking in girls, and maybe perhaps ev…
I am 28 myself and when dating I am not trying to evaluate whether she already passed her prime time or if she still has a couple of good years cause she is Asian. Unless you are a teenager or in the early twenties, we are all going downhill. Shouldn't we try to find a partner who we like and share interests with, regardless of age (obviously, there are some boundaries).
It seems you don't want a girl to 'settle' with you, but there's a ton of reasons to do so independently of her age. Maybe she wants you only for your money, or your looks...