One part of me says, this girl is drop dead gorgeous, funny, good in the bedroom and doesn't ask you for money, give this a shot. The other says, her lack of physical affection and "do her own thing" attitude AND GAVE YOU STD will be serious problems. What do you think is the best course of action here?
gorgeous goes away. Can she - and does she - cook, and do so to please you? Keep your place clean? Is she an agreeable person? Would you introduce her to your friends? Has she introduced you to any of her friends? When you give her some money does she she thank you and spend it wisely? When you compliment her how does she take it? Does she compliment you?
Dude the problem is not her, its you. You are judging her by only trivial (other than physical affection) data points. Good luck.