THIS IS EASY AS LOVERS GO.
so don't complicate it by hesitating.

Has it ever occurred to you that people go through this every day?

Yeah, thousands of people do not want to leave their beds in the morning 'cause they don't want to screw the day that lays before them. Hundreds of people stall for moments in an attempt to escape the reality of an uncertain future. Yes, just about everybody feels afraid to take risks.

You're in no way different from them. Make a move, you know you want to.

Think about yourself for a change. You won't hurt her anyway, right? You can't hurt her.