Given her emotional growth with Janeway, the doctor, and the borg kiddies... I don't think she was emotionally unprepared for an emotional/romantic relationship.What I'm saying is that she still had some more to do before she would be ready.
And we have seen that she wants to do that...
At what age would you have wanted her to develop these relationships? By physical age, 7of9 was likely already in her 30s...