Welcome to Psych Central!
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My issue is a fear of planning for the future and a fear that I'm not with the 'right' person for me.
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Why might she not be the right person for you?
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Should we end things now before things get more difficult?
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Why might things get more difficult?
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Should I work on myself and my own commitment fears to see if it could work?
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Have you seen/do you see a therapist? That sounds like a good idea to me.
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I don't want to be selfish and end up hurting her if I can figure my own crap out, and she's left waiting.
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This is her call. If she chooses to wait for a time, so be it!
How is your self-image? She evidently sees a lot of good things in you, perhaps good things that you yourself don't yet see.