Yep. She is indoor; and yes we do have coyotes.
I love your little baby. She has that sweet face we all love.
Her brothers went to live on a farm, and eat live animals (I personally saw them eating minnow-type fish as they flopped around on the grass), and do not like to be picked up.
From day one I made a point to handle her often, and would carry her around on my arm to get her accustomed to us. She likes to be handled, and will tolerate our love, but she's not very loving herself! There is a 3-minute window of opportunity when we come home from work when she meows and follows us around; I use that time to hug and squeeze her. She still will not let us rub her belly though.