Sounds like you need to just take a little time out and set aside some time to talk seriously about a dog and what you both see happening over the next 10-14 years (the life of dog!) -- and how much you want to shape your life around a dog. For many of us -- me included -- life was far too active to have considered a dog until well into my working life -- in my case, more than a decade after I finished my studies. For lots of really good reasons
![Smile :) :)](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
, I think younger people are very attracted to the idea of a dog, without really realizing the extent of the time commitment and the way in which you will need to make sacrifices to accommodate a dog. It is often a lot easier for people to make those choices in their 30s, 40s or 50s, rather than in their 20s. Or to put it another way–most rescue dogs I see have not been handed in by 40 and 50-year-olds but by young couples or young families who realize they made the wrong choice–a choice that can then be very hard on the dog and for some dogs who wind up in the pound, can mean the end of their life because they were the wrong lifestyle choice. So it is really important to think about the dog and its future as well as your own.
When I was younger I often would stay out after work with a group of friends and really enjoyed the ability to make spur of the moment decisions. I also have had a job that required a lot of traveling. And of course when you are younger, there are the parties, weekends away, trips back and forth to visit family and friends and so on. To have had a dog in the first half of my working life would have been really difficult, especially with a puppy. You really need to be back home the majority of the time that you can when you own a dog because they are very social animals and need that daily interaction and activity, not just a walk once a day. This is especially true for a single dog household, where without considerable forethought, the potential tedium of being home alone often leaves the dog with little choice but to find its own entertainment, which tends to be behavior that owners do not want–destructiveness and noise. Of course, solo dogs can be accommodated, but this takes work and commitment from both partners and means partners cannot always go out and do things together. it also may mean extra costs to try to work around someone to come in to walk the dog daily or for the dog to go to daycare and of course there are boarding costs when people are away.
I initially had two cats for many years before I felt I was able to make the commitment to a dog–cats require time and commitment but are more independent and a lot easier to manage as you don't need to come home to walk them or let them out to relieve themselves. In short, I knew I was ready for a dog at the point at which I enjoyed staying in most evenings rather than going out and when I had grown tired of regular travel for work. At this point, I also have a semi-retired partner with the same sort of flexibility in work schedule that I have and one of us would tend to be home with the dogs when the other travels for work. Many of our holidays involve taking the dogs along to dog friendly locations. It's just a different kind of lifestyle for a different time in our lives.
A lot of the dogs that come in to rescue to me, arrived in from younger people who either end up in a rental situation where their dog is no longer welcome, realize they don't have the time for a dog, end up with a new work schedule–as often happens when you are a younger colleague at work–that no longer enables them to care for their dog adequately, or they begin to have a family and find they cannot manage the extreme demands of a new baby coupled with the daily demands of a dog. For that reason, most people in rescue and breeders ask a lot of questions and would be very careful about homing to a young couple who might not have thought through all these elements. Giving your fiancé's misgivings coming up so quickly, it's important to sit down and take time talking through all these issues and thinking if this is the right time for a dog. You clearly have great commitment to the idea, and you have your whole life ahead of you to get a dog. What is important for you, your relationship, and the quality of life of this particular dog is whether now is the right time and the right situation to make this decade-long commitment to a dog.
I really don't think the fact that this puppy is shy about going on walks etc. is anything to do with the breeder. Most puppies will not have the confidence to go marching around in a new location with new people–this does take time and ensuring that every single trip outside no matter how short is a positive one, and that the puppy is never pushed into a situation where he is stressed out and unhappy.
Anyway, if you haven't had this pup vet checked, that is generally recommended to be the first thing that is done and I'd have his eye checked. On the pictures, what I am commenting on is not that he looks like he has a lot of white (many cavaliers have this -- a common side effect of breeding for large eyes), but that it looks like the lower edge of his the third eyelid is sliding up over the eye on one eye, and this typically indicates some eye irritation or infection. And again, it would not be the norm to cut hair around cavalier eyes and I definitely wouldn't be doing this on a puppy that is being overwhelmed with a lot of new experiences as is, and was uncomfortable with the situation. It may be something that is done on other breeds but given the way cavalier skulls are shaped, their very short muzzles and the vulnerability of their eyes, I would just find this approach a bit worrying.