well i guess i read the time frame wrong... it really doesn't read well--pretty confusing to me.
i think you need to still decide what you want because i haven't heard why you're holding back. from what you've said it makes sense why she's holding off to committing so fast. share your concerns with her. from what i've read there isn't really anything to concern other than you guys have spent too much time together without calling each other bf & gf... which isn't really an issue if she's pretty much committed to you and that's what you're looking for. she's put herself out there in what she's looking for commitment wise even though there are no labels--she's there. to her that's enough. the question you have to ask yourself is---what is enough for you?
i think it's important if you feel like you're vulnerable you should tell her that. she might commit to you more if that's what you're looking for.
Every moment counts, get out of your head and enjoy it.