Moonrise.... this is just my insight and may or may not fit you. As my T tells me "I will toss it out there and you can try it on to see if it fits or not." :-)

Dreams about sex with people we are not sexually interested in are rarely about sex.
:-) Sex is an act of allowing another human to be intimate within our beingness.
For one thing, that emotional area inside your soul is very special and guarded (as it should be). You would not allow just anyone into that part of who you are!

I say to share the dream with T. And I think the dream is wonderful and very healthy.
It says "I am not sure about letting you into who I am this deeply... but I am willing to trust you and to open my heart for you." It is a desire to allow her that close to you mixed with a fear of allowing that to happen.

Just my 2 pennies there.