Paranoia versus precaution...how do you learn to trust?

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To watch, listen, and observe are defensive mechanisms that we are born with in order to ensure our survival. To protect ones self is a natural reaction. At what point does that which often saves our lives turn into something that ails us? I do not like to place trust in other people, and am often suspicious of the people that I am in intimate relationships with. How can I tell if I am being unhealthy in my skepticism? There are two arguments to this. 1. Suspicious people are usually the ones that deserve suspicion 2. You cannot be stabbed blindly until you let your guard down Any thoughts? All are welcome.