Since you both asked i supposed I should clarify a little
We've three been very close friends for years and would probably move in together even if we weren't having sex or involved romantically because we all want to make this move from TN to Alaska.
We've been friends with benefits for about 4 years now and romantically involved about 4 months now.
I'm not what I would say uncomfortable telling her I love you I'm more worried about her reaction after a conversation we've had about how she gets nervous about it and it makes her uncomfortable. We have no problems being affectionate outside of sex and will tell each other we miss each other when we're apart, and she's sent some notes to me that describe how she feels about me emotionally but never i love you.
Perhaps Redpepper is right and I'm just over thinking it. It wouldn't be the first time >.<