The simple answer is "Their ball, their rules". If you want to start HRT, get any surgeries, etc., most docs want a CYA letter from a therapist. So if you're past that point, on HRT, no surgeries on the horizon, happily living as a female, have no real trans related problems and are coping well with your transition. have some sort of a support network between your fiance and perhaps a TG support group or friends that really really really understand what it is like to be trans....
Hmmmm No point?
I started seeing a for real Gender Therapist like 4 years in. However I still need to present primarily as male and am trying to keep many other aspects of myself together, some of which lean heavily on the male aspect of me. For me my therapist supplies the mostly unbiased viewpoints I need.
I would love to fully transition, yet thankfully do not need to... most days. HRT has helped a lot. My support group was instrumental in turning my life around. Yet I know if it came to a vote, transitioning would win. Easy for them most, now all have. I'm the odd ball with 6 years later not living full-time. My wife sure does not look forward to me fully transitioning. Yet she is my biggest reality therapist often times stopping me when I hit the I got to stop this craziness point. She also sees how much for the better I have changed. My therapist helps me balance all the conflicting needs I have to.
Like being trans... I sure wish I wasn't but I are. Same for the therapist. I wish I didn't need her, but I do... today