Cat, there may be some truth in what you say. On the other hand, I did call immediately after she sent that first "need to talk" text and left a voicemail saying to call me. Part of the reason I acted against my better judgement (i.e. not chasing this up) is that this is the third time she'd done an unexpected "this relationship isn't working" announcement (first time in Feb, then again in June).
Now I feel even worse...