<human>: Can you condense the text into a few key points?

I (24M) have known this girl since high school. She's always had a thing for me, and we've hung out on occasion, even kissed once or twice. Years ago I told her I didn't know what I wanted, and that I couldn't commit to a relationship with her. I've dated girls, had my heart broken, broken hearts, and found out first hand why you don't "Stick it in crazy". In my heart, I know that there is someone out there that I will share a mutual infatuation with, someone who will share the feelings I feel for someone I deeply love. It may be out of fear, but I often find myself thinking of this girl, how things would be if I'd just suck it up and be with her. She's a year younger than me, has a car, pays her bills, has a great relationship with her family, and is finishing up college, with great career prospects. She's kind and an all around good person. Not to mention that I'm her first and only kiss! She has made it clear that she's in love with me.

The problem: I'm not interested in being with her. The times I've hung out with her, a little voice in my head says "Get out of here! True love and happiness are still to be found!" I find it hard to describe the feeling. I can see a future with her, my family likes her and she's easy to get along with. For some reason, I feel like I'm settling with her. There's no chase, there's nothing to discover, it's as if my future with her would be right in front of me. Am I crazy for feeling this way?
<bot>: Girl I've known for years is in love with me but I see her as a "Safe Bet". I want to fall in love with somebody and not just settle.