I completely agree... Lets look at the all of 5 youth 5 teams out there... World Cup, CEA, Rays, ECE, Cheer Athletics. I don't think any of these teams were out of their element. And the teams that didn't have the skills needed, didn't do the elements. I know ECE's youth 5 did straight up stunts and a fan kick. That's level 3 but they were smart enough to know what they can do. And if a girl can't double all the way around, chances are they will single. Also, knock on wood, but you usually hear or see the tumbling crashes and hard stunt falls from Senior Level 5 athletes as opposed to Youth 5.
And this also goes back to coaches safety training, etc. If you are a good coach, you should know what your athletes can and can't do. At certain levels and ages, you have to realize limitations, and not just throw stuff in your routine. You make the decision if you want to go Level 4 and excel at everything, or go Level 5 and not max out on difficulty.