Not every pedophile is a rapist.

[Edwardo Piet]

Thought experiment: lets say you put a brain of a 30 year old into a 14 year old's body.

If this person with a new brain gives you consent, is it okay to fuck them?

Let's say you are psychologically mature at the age of 10, does that change things?

Children are neither psychologically mature nor can they consent.

I was answering your question "is consent the only factor?" with "no".

Pushing Drich & His Demons and The World's Creepiest Game Show Host aside for a moment and going back to the thought experiment above.

How about another angle. Suppose someone is a legal adult, let's say well into adulthood at 35 years of age. Let's also say they are 100% psychologically mature (capable of consenting).

However let's say that despite being fully grown in height and size they have a condition where they haven't gone through puberty and they are therefore not biologically sexually mature.

If they consent is it immoral to have sex with this fully psychologically developed fully grown 35 year old if they aren't biologically sexually mature? If it is immoral then biological sexual maturity is most definitely a factor and not just consenting, psychological maturity and legality. If it is not immoral then biological sexual maturity is most definitely not a factor.