First, you need to relax. You have never met this woman. No amount of chatting online or on the telephone will tell you if you share chemistry or common values. Don't worry about "messing this one up" worry about if you have met an individual with whom you are compatible.

That being said, if she has spent 5 hours chatting with you and does not want to meet you, then I would say that there is something amiss and you should move on.

good luck