First off you have to look at sex in a positive manner, it can change the way you feel about certain things.
Sometimes there is an underlying problem whether it be physical or mentally, you should talk to a doctor an rule somethings out but try some natural things.
Take a vacation (even if its at home) sometimes stress can completely take away the mood, so relaxing before hand can really help, taking a bath, having a glass of wine/beer or even him giving you a massage.
I dont know what it is but its like the later part of a relationship alot of men forget about the foreplay part and therefore you look at sex as boring or you forget to spice things up abit, like changing location or doing something a little crazy. Sometimes you wish men would do something differently but then never voice your thoughts on it and only get frustrated, that is why communication is important. This is like reading my situation backwards and I can understand your fiance but I can also understand your points as well, it is frustrating, the wanting and the not wanting but there is always a solution.