She seems hesitant about getting into a relationship. She may have had previous experiences that caused this. I am unsure whether she is "playing" you or not because I do not have enough information to gage that. Get to know her better first before you jump in too deep.

You said you answered her the wrong way when she asked if you would get hurt with her. That means you don't want to get hurt with her. You should talk to her about what happened that evening. She could have meant something entirely different than what you thought she meant.