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As long as she's not saying it in a sarcastic way and using it to bug you, then it is most likely an IOI.
Id add to this that even if she does use it to annoy you that its a different kind of IOI. If she does it to annoy you, id come up with a name for her anyway (i give nicknames to all the girls i game). If she annoys you come up for one that would annoy her, but not insult her.
She is giving you the chance to develop playful banter with her, and probably saying it that way to get your attention.
Some ideas...
Situational name - sick (Sniffles)
Racially derived - Hispanic (Chica)
Trait derived - Blonde (Goldy locks)
Avoid things like babe...although with one of my targets sometimes i switch it up, mostly ill use Chica, then sometimes ill use honey, sweety, sugar...some of these names have connotations to them and should be used in certain situations.
Hope this helps.