You are not a jerk. You're young and confused. It happens to all of us in one way or another. I wouldn't worry too much about things at this point.
The "back-up" plan has it's merits. It's like a security blanket that you can always fall back on. I had one. (but that's another thread, lol) It's not like you have to keep in constant touch with her for that, either. I have alot more I could say about that, but...just remember that that's a decsion that both of you have to talk about and accept, (i'e. it's a very 'mature' subject).
It sounds to me like she really wants to be with you, and is willing to do anything to keep you. Even going as far as to say that you can see other people.
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Someday, someone will best me.
But it won't be today, and it won't be you.
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