Cally: I appreciate your post. Your situation sound(ed) similar to mine, but I think you and my W are two very different people. I don't think she'd react similarly in the type of bedroom setting you mentioned.
But hey, what's the worse that could happen? (this has been a recurring slogan in my life...it helps me get past the inertia sometimes) She says "no", I push it harder, she says "NO" and then, maybe we can talk honestly about WTF she means by initiating confidently.