It would be direct, but not in a good way since you're taking the bait so to speak. As in, you're only saying it because she's inviting you to. She's expecting you to say something like that to give her a little boost... you can do it, but you can't be all serious, for example "well I do but you're always complaining and it just turns me off... you need to lighten up" or something along those lines. Do it jokingly though... if she takes that kind of comment seriously it won't do you any favours (well it might in the long run, who knows)... but if she knows you're being playful then it should work out nicely. Have some fun with her, flirt and play around, and kiss her just like you would any other girl.
You could also say to her, "are you gonna just stand there and complain or are you gonna do something about it?" That should lead into an interesting conversation...
