@JoeBobMack
CW, I agree that there is a lot to be gained in reader enjoyment by describing actions. But, isn't something more required for the reader to know the character's thoughts if those thoughts are necessary to the story? Can this be done without actually stating those thoughts?
It's definitely not as straightforward, but observing how the exchange unfolds based on how the people respond to each other, as opposed to being TOLD how it unfolds is rewarding—at least for me.
Granted, no one does it all the time, but for short, intense passages, it adds strength to the exchange—especially if you intersperse the observations of the responses with 'action tags', where you describe their actions—turning aside, doing the dishes, painting each other's toenails.
The key is, rather than TELLING the reader what the characters are feeling, the reader gets to discover it for themselves, putting the pieces together on their own. It may seem counterproductive, but readers—for whatever reason—seem to value the distinction, at least some of them!
In your example, the scene might play out as follows:
He glancing into her emerald eyes, pausing to lick his lips. "I … I love you!"
Instead of answered, she drew back, pursing her lips, her eyes leery.
"No response?" he pressed, his eyes dilating slightly.
"I'm … thinking."
"What's there to think about, either you love me, or you don't?"
"No," she argued. "I just … don't like throwing terms like that to lightly. Otherwise, it loses all meaning."
Rather than answering, he leaned back, crossing his arms, awaiting her response.
"It doesn't mean anything if you do it to say 'Thanks for the fuck!'" she accused, getting up and storming out. He shook his head, staring at her long after she'd disappeared down the hall.
Again, it takes more work figuring out precisely how each character responds each moment of the exchange, but …
As far as revealing her thoughts later, as she wrestles with it herself, my example still leaves that option, though rather than showing her actual thoughts, you'd probably switch to her and her girlfriends, as they pry for the details as she continues dancing around the topic.
But again, rather than doing this ALL the time, you pick and choose your battles, using the most effective strategies when it's most vital, relying on shorthand techniques for the less essential discussions.
And trust me, this is something we all wrestle with. We find a technique that we're comfortable. We grow accustomed to it and try variations. Then, once we've played out multiple variations, we trying a slightly different technique.
One technique is no more 'efficient' than the other, though some can be slightly more powerful than the other in the right contexts, but not unless you're in the right headspace in that particular moment.