You're just hopping from one extreme to another, and probably reading too much into things, looking for something that isn't there. I imagine that at some point Charlotte did love the girls' father, but in the end, he abandoned them. She was then badly treated by a bunch of men in her industry, and horrifically attacked by one. It's not really a big surprise that she's wary around men and takes a long time to open up to a new man who has entered her life.
Also, I missed it earlier, but as she has two children, yes it means she slept with a man on at least two occasions (excluding any other fertilisation method). It doesn't automatically mean that she liked it though. That's not anything to do with the discussion, but I just wanted to point it out!