Gregory, I've thought a lot about this today. I came to much the same conclusion as Mr. Spliffy. If you didn't think that the woman had keeper potential you probably wouldn't have brought up the subject. You don't have anything to lose by asking a few direct questions. Maybe she really cares about you but is freaked about something. Maybe her home situation (or some other part of her life) is something she thinks would drive you away. Both of you may be operating on some assuptions about the other that might not be true. The only way to find out is to bring it up. If she refuses to talk then you have your answer.
There are definitely some things you described that bring up some red flags. You have some good reasons to doubt whether it would work between you two. But, if you genuinely care about her you owe it to yourself to attempt to get a real answer rather than going on an assumption.
I've done a rough tally of the posts here and I know I'm in the minority. Yes, I got lucky and found someone with whom I fit very well. We just had our 18th anniversary and things are very good. I know I'm not any better than anyone else. I just had the good fortune to find the right one the first time.
Good luck to you, Gregory, in finding the right answer to your questions and in making the right decision.
Rich