Abiblestudent I totally agree with your statement.
Most people develop the most emotionally, physically, and intellectually between the ages of 0-25, therefore a born-in or a less than 4-year old convert would not have had the chance to discover their authentic personality.
I was three when my parents became borgites... My mom said I changed... I went from a stroppy, spirited, happy toddler to a child/teenager/adult who suffered with severe emotional issues, anger, anxiety the list goes on. Now I have left I am finally developing my personality... It's a long process that should as you said should have taken place between 0-25 years of age... Let's hope it takes less than 25 years! Lol.
Peace to you and yours.