Don't do surgery. I am pretty sure I had it when I was 2 1/2. Other kids didn't see me naked, so what's the difference? I had some sexual difficulties and I'm sure my husband would have preferred it be easier rather than that I look like everyone else. (Which I don't, anyway. My labia minora didn't develop and I look like I've been castrated.)
I can have orgasms but they take a long time. She's a kid now, but in 10 years she won't be, and has to live with her body for the rest of her life. My husband and boyfriend left me for women who could get it over with faster.
I didn't have kids, but my vagina is small and would be torn into a lot of pieces if I tried. (eg. I would need a c-section. Sometimes this isn't obvious to obstetricians.)
I had a lot of bladder infections (my urethra is right next to my vagina, perfect for introducing bacteria) and developed interstitial cistitis, which was relieved when I started on imipramine, an antidepressant. I had a couple of cystoscopies (one when I was 8 to expand my urethra, which is okay; all they do is introduce graduated catheters.) I would NOT do anything to the clitoris - if she wants it to look different when she's 15 or 16 and knows what it is, that's HER decision.