I don't see any reason wrong with not wanting to live together before marriage as many people don't agree with premarital cohabitation. However, after marriage your lives are going to be, and should be, lived together.

A lot of people might find this hard to believe, but there are a lot of people out there who are married but don't live with their spouses. They aren't divorced, they aren't separated; they're the type of people who just can't seem to get along living together and choose to live separately. Or, they live separately because of family. I know a lady who lives near me who moved here from overseas and her husband still lives overseas. She wears her wedding ring, talks about her husband and her kids and I don't have any indication from her she wishes to not be married.

To most people, it seems like a strange arrangement. In this situation, what is problematic to me is how it appears the OP and her fiance can't seem to work things out. A lot of couples who live together before marriage use that time to hash things out and figure out a way. For people like me, my husband and I didn't live together and we spent a good year figuring out how to work things out.

At the end of the day, regardless of your living arrangement, I think there are a lot of issues between you and your fiance that must get resolved. This might sound strange, but I think you do love your fiance and you enjoy being with him...but you aren't ready to get married. It's possible to be in love with someone for years and years, and not be ready to give up being single.