Some people just happen to have low sex drives. If both of you are happy with your relationship and your sex life, of whatever frequency, then that's fine. I think that for most people, sex is a very important part of a marriage--in addition to sexual satisfaction, it's part of the emotional bond you share. But there are certainly marriages in which sex isn't that important. As long as both partners are happy, I see nothing wrong with that.
The question to me, I guess, is whether your fiance really is as happy with this arrangement as you are. There are guys who just have a really low sex drive, but it's fairly unusual. If he does want more sex but is saying it's okay in order to be nice, that may cause problems down the road. It's not unusual for two spouses to have different sex drives but you both have to be willing to compromise...it's not fair to ask your spouse to go through life sexually frustrated. Are you going to be willing to have sex more often for his sake? Also, I do think it's possible that the reason he's not very interested in sex (if he really isn't) is that he's gay and hasn't realized it yet. That could also lead to a mess down the road if at some point he realizes it and wants to be free to explore his sexuality.
On the other hand, if he just happens to have a low sex drive and so do you, then you don't have a problem. I think you need to ask him if he really is happy with this arrangement or is just saying that in order to not rock the boat. If he really is happy with it and so are you, then you don't have a problem.
As far as finding sex 'boring', I have to wonder if you're going about it the wrong way. Are you sure you've had an orgasm? You say you're sexually satisfied every time...but on the other hand you say you're looking at the clock waiting for it to finish. I find it hard to see how you're able to reach orgasm if you're looking at the clock the whole time...I mean, you have to be into the experience or it's not going to happen. If you're not having orgasms, that could explain why you find sex boring...I guarantee you orgasms aren't boring! :LOL:
I also think there's something to the "bad boy" thing...I wonder if it doesn't have to do with the style of sex you're having with your fiance. If you're having very slow, gentle, "loving" sex with your fiance I could see why you might not find that exciting. Maybe you'd get turned on by more "wild" sex, you know, faster, harder, that sort of thing. Sometimes when people are in love they feel like they can't have wild uninhibited sex...the only kind of sex they have is the romantic, making-love kind. Nothing wrong with that sometimes, but as a steady diet it could get a little old. I think loosening up and letting go in the bedroom could help a lot. There's no contradiction between loving each other on the one hand and having wild crazy sex on the other...in fact that's what you SHOULD be doing. If you only do it slowly, gently, in the missionary position, in the dark, that's going to be boring after awhile. Also I wonder if you're getting enough foreplay to get turned on before having intercourse? Maybe experiement with oral sex and stuff like that and see if that does it for you...for many women intercourse alone doesn't do much. Most women need clitoral stimulation to get turned on and to come. I also think watching some couples-friendly porn is a great way to spice things up...have a couple glasses of wine first and see what happens.
There are lots of ways to spice up your sex life...that said, if you're just not very interested in sex that's fine too, as long as your fiance is fine with that. There's nothing wrong with you if you're not interested in sex, as long as you're happy with it that way and it's not causing problems in your relationship. Good luck figuring things out...