I think the first thing you should do is to be honest with yourself.
What is it that you want from life, from her and from yourself in general.
Then see how she fits into that equation.
Some people are worth making the effort for but its not necessarily the effort we have in mind. Others we think are worth making the effort for but when we check ourselves and get our own heads straight we realise those people weren't really worth the effort in the first place.
She does seem like a genuine decent person though. You just need to understand and decided what it is you want form her and how she fits into your life, have the talk, and then move forwards.