First, I don't think you're a moron. This is something that women have to consider when climbing with men they don't know. Some (like my mom) would say that climbing is risky enough, why increase that by tying in with someone you've never met?
For me, climbing (mostly mountaineering in my case) is more about being in a high beautiful environment and pushing myself than about who's at the other end of the rope. I don't need to have known someone for three years to have an amazing time in the mountains with them.
A case in point: after exchanging a few PMs, NOLSe and I met to climb Rainier this April. We spoke on the phone once right before the trip, but that was the extent of our conversation. We summitted twice in 24 hours via two different routes; it was the most badass weekend of climbing I've ever had.
Climbing with new people is an eye-opening experience, and I can honestly say I've learned so much more by doing it. My first rock climbing trip was to Smith with two guys I'd never met!
Against all odds, everyone I've met from this site is super cool, and all (with one possible exception) behaved themselves . Take a chance Snow, you'll be glad you did.