For the most part, these people are right. You should never live your life with regrets and always try to accomplish the things that your heart tells you it wants. However, sometimes there is no way of doing that and you just have to learn to live with it. As far as that dream girl goes, you need to consider whether or not you are the type of person she would be comfortable being with before you attempt to ask her out. This isn't going to be very easy for you, either, especially since you are afraid to talk to her.
The first thing you are going to have to do is figure out what kind of guy she likes. You can do this in a number of ways, but the best way is to just ask her what kinds of things she likes to do for fun. This will give you all the information you need to know about her and you can figure out if you are the guy that she is looking for. It's fairly easy to start up a conversation with people these days, and they don’t all have to revolve around the weather, either.
The act of just coming out and starting a conversation with her is going to show her that you have confidence in yourself. This is a very good start for you since all women like a guy that is self-confident. Just make sure you don’t make the conversation all about you. Women hate it when a guy goes on and on about themselves, and never lets them get a word in. Try to be open to listening to what she has to say even if you don’t want to hear it as its probably important information that will help you determine if she likes you.
Talking to her may seem like an impossible thing for you to accomplish, but she is no different than anyone else in the world that you have actually started a conversation with. Just because you think she is the most beautiful creature to ever walk the planet doesn’t mean that she isn't human, after all. You just have to adjust your thinking to the fact that she is just another person standing in front of you and not some angel sent from heaven that you have no chance of communicating with. Get over your fears and talk to her because she might end up being with you for a very long time.