>>5421222nta, but me personally,
It's a difficult term, I really don't like using it liberally, even though it gets used that way a lot.
I would usually only use loli to mean small and looks young enough to be a child. True lolis are actual child characters. There's babalolis and legal lolis which just look the part, or close enough, but are older. Flat grown up girls/petite women are not lolis, at least as I'd use the term.
But the term gets attached to them anyway. Also, anime artstyle can make it hard to draw that line between a legal loli or petite woman. So I wouldn't usually even call 'legal lolis' lolis unless they're VERY obviously supposed to look like actual children (Shinobu for example).
I think (talking from ass here) part of the problem is that JP can joke about "ohhhh so you're a lolicon haha" if you like a flat, small girl and it's fine, nobody cares. So if you're on that perspective, just call them all lolis because it's not a big deal.
But in EN, where the analogue would be "oh you're a pedo lol", it's very much NOT okay. So some people are hesitant to assign 'loli' to characters that others do. Some assholes just want to call everyone pedos so they'll call every character short of kaichou or knight cup lolis. With so many people meaning different things, it's basically meaningless.
As for where to draw the line, fuck, who knows. Anime is so inconsistent, a non-flat 14yo end up looking identical to 30yos from other, or even the same shows. A flat 20yo looks like a child in some other one. It's a mess.
Gura looks the part, so she could reasonably be considered a loli, but I personally wouldn't call her one.
But as far as being annoyed, I'd say stop caring about the term. If you can ask five people what something means and get five different answers, it's a useless term.
If it's a more "practical" annoyance, you can search for the tag "low lolicon", or "small breasts" and even "loli" and just judge the doujin by it's cover.
