Men and women have different ideas. I think your worry is reasonable and normal. I suggest you have a good talk with your fiancee when you are free. After all, two people are going to get married soon and will be together for many years. It's always good to know each other better. If the woman really cares that the first time must be on the wedding night, isn't that a bad thing? But if it is another possibility, it is better to solve it as soon as possible than to put it off until after marriage. I think there's probably something hidden (judging from her unwillingness to kiss you). In that case, it is certainly beneficial to find that both parties know each other better and trust each other more before marriage.