Your act of kindness is to be commended.
However, there ARE people out there to scam you. I've been taken in by stories before, and if the scam artists are good at it, you'll probably never get any clues or vibes about it. Watch some of the cable shows about crime stories or scams.
Had a JW friend (disfellowshipped by this time) who got a call inviting him to some opportunity, but he had to go across town at a certain time. He got a wierd vibe about it and invited my brother and I to come over and watch his place. We brought baseball bats as some form of protection and were ready to see if it was a scam. He was running late and 10 minutes before he was supposed to be across town, the phone rang. He answered, nobody on the other end. To this day I believe something was going to happen, but the phone call was a test. When he picked up the phone, they assumed he was blowing off the appointment and aborted. He went to where he was supposed to and nobody was there, even though he was only 5-10 minutes late.
This girl's scam could have been to get you away from your house so somebody else could rob it. Maybe they saw your wife was still home and the other person decided not to do anything. The fact that she talked a lot may have been to stall you and give somebody a chance to do whatever they were going to do. Or maybe she had the hots for you and hoping a late-night encounter would lead to something.
I found myself the opposite of what you feel. I believed in people a lot more when I was a JW, but upon growing up, facing the world (which coincided with leaving the JWs), I found a lot of people to be looking out for #1 and willing to lie, cheat, or steal from anybody else. Now I'm more cautious of strangers and tend to keep my guard up.
Not necessarily scared of cops though. Had a speaker from the police department at work once. He basically said that things like 911 were meant to be used. The problem is people are always afraid of whether it's enough of an emergency. He said if you feel like something's not right, call 911 and they'll be happy to investigate. If you're at the mall late and you have a long walk to your car and something just doesn't feel right (kids sort of hanging around some cars in one area, or whatever), call 911 for an escort. He said people have better intuition than they often pay attention to. If something doesn't feel right, the right response is to be cautious. The situation of somebody banging on my door at 1am would raise my caution meter.
You could have called the cops to give her a ride or called her home and had somebody pick her up. Giving her the ride wasn't necessarily the wrong or dangerous thing to do, but realize it is wierd and perhaps you should alert others. Let your wife get a good look at the person you're leaving with and find out what address you are driving her to and leave it with your wife. Let her know to be on alert that this may be a diversion.
