The speaker imagines a second chance to meet someone they once cared about, and the poem is really a string of questions about what they would do with it. Would they speak up about how they felt, or stay quiet again? The questions pile up without any answers, which makes the speaker sound stuck, replaying the past rather than moving on.
The final line is the most telling. The speaker asks whether it would have been better to have their heart broken three years ago, right away, or at some point in the time between then and now. The wording is a little tangled there, and that fits: the thought feels unfinished and raw. It suggests that keeping their feelings hidden didn't protect them. They seem to have been hurting anyway, just slowly. The mood is wistful and uncertain, a quiet ache over something that never got said.