If you wait, someone else will probably scoop her up. Better to give her the "you" you are now than for her to never experience you at all.
On the other hand, you could wait. But again the chances she'll be available when you feel you're 'just right' are probably slim.
So one thing I try to keep in mind when talking to girls is that they're just for practice. To help me become the guy I want to be and the guy I think she deserves. It helps me be a little more at ease.
Is this good or bad? Is this healthy?
It is very good. You need this practice in order to maintain a laid back attitude with the girl you want.
I want a serious relationship with this girl because she's one of a kind
You have developed one-itus.