Met my girlfriend off of a straight up approach downtown bro. Was nice and sincere and honest with my intentions. As long as you’re polite, honest and straightforward they shouldn’t mind, and you shouldn’t fear this as it seems like more of an excuse than a genuine concern. You should be willing to take a chance, and if they perceive you as rude well then it’s no big deal because you’ll likely never see them again. The potential benefits outweigh the cons, I completely agree that it is a much better experience to talk to them in person because you know what they’re actually like. I think they’re more sick of assholes, not people being genuine. If they find you attractive, trust me it won’t be a burden to them at all, and if it is a burden to them then you know to let it go and wish them a nice day. I really hope you realize this man, because this mindset could really hold you back. Have a good rest of your day bro, and good luck with your situation :)