You didn't mention if you guys live close to each other or in different cities. Her statement could mean a lot of things. Either she's aware that she could get covid-19 due to her line of work or you guys could end up like couples in an LDR (in different countries). If you guys live in different cities and the government would declare a stricter quarantine then she can go to your city because she can easily pass through checkpoints but you can't. She might be thinking that she may become busier and won't be able to visit you anytime you want and if you have some experience in LDR then you'd understand the uncertainties.
Take my case for instance. I and my gf were barely one month into our relationship when the lockdown happened last March 16, 2020. I know that a new relationship without a solid foundation can be shaky so I worry and overthink a lot too. After nearly 5 months of not going out, I had to make an effort and visit her in her workplace to buy random things I don't need just to be able to talk to her for maximum of 2 minutes. I do that 2 to 3 times every week. Sometimes it makes me think that being a bf and her a gf is all but a label. We do talk on the phone everyday and 3 times a day but nothing beats physical bonding. What's painful is, she's just less than 10 minutes away by car and 15 minutes away on foot...so close yet so far AND, she's not a front liner however her ahole boss don't allow the female employees to go out on their day off because they are stay in. So majority of people are able to go out under GCQ while she can't, lucky me huh?!
Today, instead of progress, there's a sad news. Just this past weekend, 4 of her female workmate tested positive for the virus but no symptoms at all while 11 male stay out employees are positive without symptoms too. So the boss decided not to let people in the supermarket anymore starting this Friday and the customers will just have to tell the employees what they wanted to buy and the employees will grab the things for them. Unfortunately, I can't go inside to buy random things anymore just to talk to her and now I'm wondering if our relationship will survive with ONLY phone calls, texting and the THOUGHT/PLAN of moving in together by year end. It's really a depressing and agonizing wait.
Honestly, it's really depressing for me and sometimes I would wonder if she really loves me because she seem to be taking things lightly perhaps she knows how much I love her and she knows that I'm not going anywhere.
Perhaps the girl of your dream is trying to avoid this kind of situation that I'm in because once you have labels or officially in a relationship it makes it harder. Maybe due to expectations. I hope I have the power to see what happens in December so I don't have to wait so damn long only to find that our plan is not going to happen. Thus, each morning when I wake up, I would feel so miserable and I'd question the universe why I'm still alive. Pardon me for sounding dramatic, but I'm not known to be a strong person when it comes to love.
So I'd suggest that you go with the flow for now and try to be always there for her and hopefully things will become clearer for both of you. Good luck.