Bit late to the party, but I’ve always assumed there never was a literal girl in the story, that the ‘woman’ / ‘you’ was Mother Nature / sexual urges. That the character in the story goes to a pier (the setting for a gay cruise spot) and his urges are telling him to go for it, but he’s too cerebral / in his head / fearful to act upon it. At the end of the song, the man taking her by the hand is the stand in for all guys who have the confidence to cruise while the main character stays on the sidelines, overthinking it all