It's not so much the touching as the potential view up the greatcoat and the whole... humiliation of the thing. But for goodness' sake, the man was already practically kneeling and offering to help and she knew nothing offended pride like being rejected in an offer like that...

All the same, she'd really rather do it herself. Her mouth twists with wry resignation and some humor, "Will I be back to 'Miss' if I do it myself?"

A less straightforward way of asking how much it will bother him - because, of course, she thinks, he won't admit to it bothering him at all.