This is my sense of what is happening with her.
Bella was married and her husband has apparently left and has not returned, possibly dead. She was deeply in love with him and has a hard time accepting he won't be coming back home. But, she has waited for him, holding out hope for a surprise and the love of her life to return. Deep inside she is extremely depressed over her loss, but guards her feelings. She feels guilty if she thinks of another man in a romantic way. So it will take A LOT to get her to accept her loss, and open up to someone else.
Six months ago I gained a much better understanding of Bella when I watched my wife take her last breath. After talking with other widows/widowers, many of them feel guilty and that it would be wrong to be with anyone else. Many have a difficult time removing their wedding rings and they feel lost with very little motivation. Some eventually open up to someone new, but it takes a lot, and some have removed their rings... finally. Many widows continue to cry over their loss months and even years later, I know I cry almost every day still, six months later.
I feel Bella's character is really well written and whomever created her, has an understanding of what it is like to be a widow, if my sense of her character is right.
Bella is absolutely my favourite character and I have a good relationship with her in the game.