Women I know tend not to show any signs of aging until they're - maybe - 50. I know women who, even if they have some minor crow's feet when they smile, don't show much age even in their 40's.
I don't think anyone can guarantee that using some of the "heavy duty" anti-aging products (with Retinol, etc.) won't cause problems if you use them for 30 years; so I think you're right to think about it a little before using them.
It seems to me that making sure you use a good sun blocking moisturizer makes sense, and you may want to go light on any foundation or concealers around the fine-lines area. I wonder if there's any chance you're not getting enough water to drink or if you're not getting something in your diet. You're awfully young to have fine lines, particularly around the mouth. Is there any chance weight gain on your face has created the lines, rather than age? Is there the chance the moisturizer you use is making the skin puff up a little and making the lines look worse? Some moisturizers "plump" the skin but don't necessarily plump out the lines.
If I were you and were bothered by the lines I'd probably go ahead and use whatever anti-aging products I could find, see if they make a difference, and if they do I'd probably take a chance and just use them. Ponds makes a nice, mild, anti-aging moisturizer for under make-up. Maybe if you use them for a while you could take a break from time to time just in case non-stop, long-term use could cause any problems.