It's not that easy. [Clearly she's making up half of the conversation in her head.] Because that's just the tip of the ice berg and the Titantic was sunk by everything underneath and I don't want to be left floating on a headboard while you freeze to death.

[She stops because somehow that comment got out of hand.] That sounded better in my head. There's also the part where I don't want to be that crazy ex-girlfriend that you laugh about with your perfect wife one of these days. I'd rather just be the fun girl that you had a couple of amazing nights with that you never tell your perfect wife about.

[Yes, she's now got you married to a Stepford wife and she's automatically assuming that whatever happens between the two of you will end up badly.]