Metaphor, welcome to SBG's! Glad you found us.
I think you already have some things in your favor.
First, you say your fiancee' approves of the buzz and loves the feel, that's a big plus. Now you can keep buzzing it lower, maybe to a # 2 blended/faded into a #1 on the sides.
(That's how I brought it down, before slydom).
I think you'll both like it even more. You can then go even closer if you like, using a 0a guard, or even no guard at all. This is pretty much the route many of us have taken here, and really you're just delaying the inevitable.
Second, yes cutting it short does help with the constant fret, only thing is, you will want to keep it buzzed nice and close.
Third, yes, you are looking for relief from the anxiety, over losing hair, styling hair, once you buzz down, that's gone!
There are many positive factors, but number one is freedom.
Give it a shot, I bet you'll be saying " why didn't I do this sooner"

Let us know how it goes.