I hear you about doctors and lack of time. She is 38 but started med school late. It doesn't sound like she has any lack of experience dating - she just wasn't ready to settle down at earlier points in her life.
I hear you about the yellow flags (I won't call them red, yet). I was talking with my IC today about how important it is to go into any experience with your eyes open, but also to open up yourself up to the experience and whatever it might bring. That makes you vulnerable. But without vulnerability there is no authentic living. I don't think you can experience joy without giving yourself over to an experience. Plus, as you said what is the worst that can happen? I've lived through the worst breakup of my life and come out the other side stronger. If it turns out that she has emotional issues that make her needy and with poor boundaries, then I can always walk away.
W 34 Me 42 Married 7 years together 8 0 kids 1 beloved dog BD 4/6/2018 I moved out 4/7/2018 I moved back in alone 8/05/2018 I file 3/06/2019 D official 5/7/2019