I also wonder how much of it is normal and how much is...you know, something else. i'm sure therapists get like this too...where they imagine some of their clients in more...err...intimate scenarios without necessarily having a crush on them. Imagining someone in the shower, for instance, or on the loo. Or, you know, in bed with them because why not? At what point in the transference "normal" and at what point does it become something else?

EDIT TO ADD: And what of self-disclosure or finding stuff out? Little bits of personal information that you stumble upon on the net or because they tell you stuff? What if it's those little bits that make you love them (romantically or not)? Is it still transference or do you cross over into new territory?