I'm treading lightly given the current stressers in her life, and the fact that if this becomes official we will have some difficult mazes to navigate in our social circle (our exes and such... mine is a fucking psycho). I'm at a point where I would be comfortable asking what the "concerns" are and wanting to be on the same page because now I AM CONCERNED.

If she responds positively, then it could evolve into a "what direction are we taking this" conversation. If it goes negatively, or she doesn't want to talk about it, I will immediately cut off the sexual component because I need to protect myself as well. And I will be very blunt about that.