shlishi,
There are no specific girls left without a shidduch, so the girls don’t look at it as if they’re stranded on a desert island with just one, older, man.
Whether or not a girl should take her “poor” odds into consideration is a personal decision, but there are other things to be compromised before age.
You mention divorcees, but you lump it together with age discrepancy. I wouldn’t.
I also think 22 (as mentioned by a different poster) is a ridiculously low age to be so desperate.