Should I seriously have a 'talk' with her...?

Yes you should have a talk with her. Looking at this on a rational standpoint, what would happen if you didn't talk to her. Things that bother you.. you're going to have to cope with for the rest of your relationship with her because you didn't tell her what was wrong and she's going to ume it's okay. Whether you want a fight of not, it may happen now or later. Relationships aren't always perfect and dandy. You must work things out to resolve your problem. I really hope things work our for you two, because relationships get tough sometimes and sometimes weak people just give up without a fight.