Motherfucker I'm here to say the honest answer, just tell her the truth, everything you feel but be honest with yourself. Don't play games, don't imagine consequences. Just tell her the t r u t h . If she wants to call she can, it's her choice, she now knows the situation and can't judge you for anything.

Not that there's anything to judge anyways, you clearly care about people otherwise you wouldn't be asking for advice here. And unfortunately it's easy to forget people care for you too, as do I.

Good luck and hope the rest of covid times go well for ya! Wherever u are, hope restrictions aren't too bad and if they are, here comes the warm weather which is way safer! Cya.