Hey J.,
The time is right when your daughter feels it is right - you'll only give her a complex if you force her into it *grin*.
Our daughter was the same way, and it was frustrating, she'd sit and sit and sit, and sometimes she'd go, but mostly she just liked pretending to be a "big girl", she really had no interest in going. She is now *almost* there (a few accidents a week, but nothing TOO bad), but she's about 3 months from her 3rd birthday. And she's shown interest for a while, but she was having trouble realizing that she had to go - in our case, the pull-ups were too absorbent. And we tried EVERYTHING - I tapped out my parents, grandparents, mother-in-law, grandparent-in-laws, aunts and aunt-in-laws (my hubby has a great family, if you can't tell, we get along well!), we were SO frustrated. FINALLY, it just clicked - she wore her big girl panties, had an accident, and was SO upset at herself that she trained herself.
Oh, and a hint for in-public restroom peeing - take off the jeans and panties and turn her around backwards, straddling the toilet (yes, it looks funny) and scoot her up until she can grab at the back. This was a problem that one of my (boy) cousins had, and it worked for my daughter as well, as it gives them the appearance of a smaller toilet bowl, and they won't be as afraid of the big rimmed toilet.
And don't worry - she won't be 21 and still in diapers! *grin*
~Jes