I do hope you are hearing this as she intends it--an invitiation to explore the fears and concerns about opening up. You might start the exploration with 'If I open up, then...' and see what comes to mind. (For me it is that I will sound stupid, whiny, immature, etc. Then taken even further, I think about the imagined consequences... 'If I sound stupid, then...'

The question could sound like a judgement, but it is a way of saying "Let's look at this together."

I hope this helps. It took me a long time to understand that T isn't interested in making me look or sound foolish (stupid, etc), but that she is inviting me to talk about why it is hard to talk about things. Once I understood and could talk about why indeed it is hard to talk, and didn't receive the criticism or judgment I expected, talking became easier.