Hi Sarah!
I'm a longtime reader and first time poster but I decided to jump in and reply to you since we are both fair, cool toned ladies. I was a little leary of Fire Lust myself (i thought it might be too warm and almost read orange on my pasty face), but it was so stunningly gorgeous in all of the review photos I saw that I decided to take a chance and order it through Nordstrom, figuring I could just return it to the Nordstrom by my house if it didn't work out.
I don't know what kind of sorcery Tom Ford did, but Fire Lust is beautiful even on very fair, cool toned ladies. It's actually very sheer, but the peachy pink tint & refined golden shimmer manage to impart the most beautiful, most flattering hint of warmth and light and gorgeous glow to the face. It also somehow manages to blur imperfections, and the formula is sheer perfection - it just melts into the skin.
I am a complete and total highlighter junkie - I have a drawer full of high end highlighters, but Fire Lust is definitely one of the priciest I own. I was actually even hoping I wouldn't really like it, since it was $65. I don't just like it, I LOVE it, and love it so much that after test driving it for the past several weeks and getting compliments like "your skin looks amazing" "what are you doing differently? you look great!", I went out and bought a backup. i might even buy a third before it's too late, but that might be a little overboard
Anyway, to make a super long post short, definitely give Fire Lust a try - it deserves every rave it has been getting!