There is no law that says, "you HAVE to have GRS or HRT in order to be transgender." I know plenty of transgender people that have chosen to not do GRS, or even HRT, yet they are still trans. They still attend trans support groups, they still go to a gender therapist, they still are trans.
I too am a "pain wuss," but I also know that they will give me pain meds after any surgeries I have. I hate the idea of the pain, but for me, I need to become the man I should have become during puberty. Stay strong, you can do what's best for you, just don't hurt yourself, okay? It can only make things worse.
tl;dr:
There is no such thing as "not trans enough!!! You can still be trans and live in your original, unHRT, unGRS body.
You do what's best for you, and no one else. Don't hurt yourself, you're not alone! You have your fiancé! You're stronger than you think.

We're here to help/support/vent to/etc for each other! Feel free to talk, many of us have been there.
And welcome!
Ryuichi