You touched a nerve, mate.
*Holds his chest dramatically*
Here are some points you may want to think about -
1. What I 'glean' (this is an over-used word on CC today

) from your posts about her is that she wants to minimize the losses in case this relationship does not work out. It does not mean that she is looking for her escape hatch. She believes you are worth her time and effort but she wants to keep her feet on the ground.
In my opinion, this is good. And it's great to know that you are willing to move at her pace without rushing her into things. If the 'difficult' topics are being discussed at the first, then you guys are going down the right path. You both are no more in your teens now. You have far more responsibilities now and you both have had your hearts & dreams crushed numerous times. At this stage in your lives it is safer to keep your feet on the ground, clear out all the 'difficult' topics before you can take this relationship to the next level.
2. It seems to me that you really love her. Or at least you like her very strongly. But I agree with what Grace said. You have to slow down. There is nothing wrong in saying what you feel about her. But this is a relationship between two people. It could unsettle things if you don't slow down. Either she may reciprocate and your relationship may speed up or it may open up some unpleasant memories for her and she may clam up. Give her all the space and time that she needs to open up to you. That will add to her confidence and respect for you.
Make no assumptions about her feelings for you. If a woman tells you that you make her incredible happy it does mean that she likes you at least as a platonic friend. And if she wants to talk about kids and the other 'difficult' topics it means that she wants to see how this works out. So hang in there.
3. You cannot take her 'for granted'. You have to be at your best every moment that you spend with her. I am not referring to the comfort level, but I am referring to the way you express your love and affection for her. You have to 'be yourself' and still be 'at your best'.
4. Last but not least, a relationship is like a high-jump event. The bar will only keep rising. It will never come down. Before you plan a surprise for her think whether you can keep at this level (if not exceed it). Make sure that she is worth your time and effort not just today
but every day for as long as the relationship lasts. Don't let this deter you from planning those 'take-your-breath-away' surprises.
I'm happy for you. And I hope that God works out whatever He has planned for you. God bless you brother!