you took that comment
way too literally... she was just flirting and trying to get you to do more. it sounds like she expects the guy to progress things sexually, she just didn't want you to go straight for home base. don't worry about being a jerk... she'll let you know if you're going too fast or pushing her boundaries. you were doing everything right, but she was comfortable and ready to do more... she just wants you to be confident in your abilities and take the lead when being intimate.
plus, there are a lot of ways to be more intimate without going too fast... for example, when she called you a tease... you could've pulled her close, rolled her over onto her back and pinned her there, then REALLY teased her... kissing all over her face, leading towards her lips, and acting like you're going to kiss them... but then pull away. or breath deeply into her ears and whisper how into her you are...
hope this helps.
