First, I want to say that I am really a big fan of @Oliver_ZRace_Central and his dedication on Zwift. I am really awed by his love of cycling and Zwift.
I generally agree @JimH with 5 being really restrictive, I just posted my thoughts around limits:
As far as Zwift youth, it is at the top of my mind. I agree, currently there are a lot of interactions in certain areas of Zwift when there probably should not be with youth on our platform. I also think the Zwift community is one of the best communities out there and it shows through @Oliver_ZRace_Central experience thus far. I am sure 99% of the time, youth on Zwift will have a great experience but I do have to account for that small probability that something horrible might happen. I want to ensure that I have done my due diligence to ensure that we created a safe environment for youth on the Clubs platform before enabling it.