Most Helpful Girl
After that long, you have to break up in person. Try to be firm, but don't necessarily list all those flaws. And if she tries to argue, don't participate in an argument, just keep being polite.
Most Helpful Guy
If you're just looking for 'minimal confrontation' then the best way is to move to Zimbabwe, write her a letter, and block her number. But seriously, just meet up tell her nicely it isn't going to work out and absolutely don't argue over any reasons about why or why not.