"Are we really doing this here, Jeff?"
Here, as Nubia said, doesn't refer specifically to the bathroom where she and Jeff are currently taking a shower together.
This, of course, doesn't only refer to the passionate embrace that makes them feel the lustful heat of each other's naked bodies—more than the warm water of the shower.
What Nubia meant was doing their promised intimacy at Jeff's place.
As for why she feels conflicted about it, it's simply because it's not just the two of them currently in his apartment.
"You don't have to worry, Nubia-senpai. I checked on Veena before getting into the shower, and she was already sleeping." Jeff said, tightening his embrace and pressing his erect, throbbing 9-inch-plus rod against her belly before giving her a short, teasing kiss.
