dont worry about it. i was delivering in my camry when i was 14 up until i got my liscence and i turned out fine.
anyways. i vote waiting on the paint just so you dont have to worry about scratching it up when you do engine work and having to leave it outside. besides, you really think your not gonna change your mind about colors, accessories and other effects on the car when your older? when i was 14 my dream car was a land rover. then i drove one when i was 15 and hated it. just my opinion