Hello and welcome Eden,
How great it is to see a female member on the forum. And, in terms of a late-ish start, you are a mere child compared to most of us on here

I wish I had come to this beguiling instrument at a younger age.
I started on the same Carter model about 5 years ago and quickly found myself well and truly hooked.
There's a ton of great resources on the web, Sierra Guitars have hours of lessons by Joe Wright, Mickey Adams on YouTube and on here, John Davis has put up a lot of helpful clips.
Your instinct to meet up with other player's is bang on. It was the best motivator for me. There are a couple of great, very promising, young players who post fairly regularly on here. They're Netherlands based, and hopefully within striking distance to you. Mathew Jut is the most prolific of the two.
As for your concerns re dress code; up here in kilted Scotland we don't give a hoot mon, should there be a moose loose aboot the hoose
Good luck with your adventures in Steel Land