As a girl, I say that if I was her and I fancied you, I'd really like you to say/do something. If I didn't fancy you, it would be awkward if you said something.
Helpful? 😛
No, ok, but if I did like you, I'd be over the moon that you said something. If I didn't, yeah, it would be awkward for a bit, but I'd get over it soon enough if you weren't too freaked about it.
Say something. Nothing huge and dramatic. "You know what? I really like you. Let's go out sometime, just the two of us." If she says yes, well, score. 😀 If she says no, say something like "No worries. Better said than not, right? Still friends, yeah?". Smile, be relaxed. It'll be fine. Maybe you'll have put the thought into her head! Maybe not. I agree you can't ever properly regret something you've done, only something you haven't done. Unless that something was burning down your house. 😉
I just read some of the newer posts — I think it sounds like you have a chance. Go for it.
Oh, and everyone I've been out with has been in the friends zone first. And I am still friends with people who I've propositioned and who have propositioned me. It's only awkward if you make it so. 🙂