Victoria was 14 years old. (Sure, Deborah Watling was 19 or 20, but the character was 14.) Although she'd had a sheltered childhood, and was then orphaned by the Daleks before being kidnapped by the Doctor, she learned pretty quickly.
Her main specialty was pretending to be a naive, sheltered little girl so she could con the bad guys. That, and screaming loud enough to actually kill the monsters.
The Doctor and Jamie constantly tried to get her to wear shorter dresses, and then teased her about it when she did. And Jamie fell in love with her. Did everyone involved in the show forget they'd established that she was 14 years old? Not that you're reading this, you're still staring at the picture, aren't you?