Hey man.
I will be honest here- I completely understand her logic here. Personally, I am not a fan of a girl mulidating either, however I am now a hypocrite as I did just that before I got busy with my degree in October. I managed to generate THREE actual girlfriends who all believed they were in a relationship with me. I did this through online sarging. I was a beast at it. However, my morals overcame my greed and I broke it off with all three.
Think about it- she met you online, right? Luckily you managed to get her out on a date with you- kudos to that! However, cuddling means a whole lot of things to a woman. To a man, it feels like the first stage of getting her in to bed (you know what i mean, eh?

) but to a woman, it could just mean a few moments of protection, or literal comfort. Of course, we cannot read her mind, but I guess her willing to meet up a second time isn't all that bad yet. Just make sure that you don't drop your game between now and that second date- because three weeks is a long time. If you manage to keep her guessing, to keep her interested, and keep your online game tight, then you will be able to progress well during said second date. If you "out-Game" your online competitors, then they will not stand a chance mate.
In terms of 'HB...', of what number would you class her? I know it sounds juvenile, but online dating is a ferocious game, and the higher the HB number of an online girl, the more messages/ proposals she gets, fact. I know your exact feelings when meeting a 'special girl'... Heres hoping that you outclassed those other meet-ups she will be having soon! Just out game them all, and don't appear too willing/needy and it should work out!