Woody182

To start out we're both 21, my gf and I have been sort of taking a break but still kissing as we leave each other and spending a lot of time together. I'm thinking about just cutting it off though b/c she was the one that initiated the break (said she wasn't ready to make a full committment and be as serious as the way we were headed after 10 months of dating) and things don't seem to be improving (it's been 3 weeks and we're still veyr happy around each other and have a lot of fun but I can't deal with not being completely affectionate with her).
I guess I'm just having a tough time realizing that we may break up and there no "incident" of sorts. She basically just says she loves spending time with me (and is the one calling/making plans) but just doesn't feel the same way about me. "Something changed" to quote her. She handles herself very maturely in relationships and decided to tell me this versus staying together and not being happy. I took the approach that it was a problem the two of us would get through and I would do what I could to help (slow down, sorta play it by ear). But it's just getting very hard for me to keep doing this and not be "with" her. I've told her this and she then goes on about she's not forcing me to stay with her.
Any feedback would be appreciated. I'm sorry this is so long. Any questions let me know, I just don't exactly know what avenue to take. My ultimate goal is to be back together but I suppose if not, then to be friends.

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If I fall in love, will you forgive me?
If I lose my way, will you choose me?
If I change my mind, will you change me?
-Smashing Pumpkins