Luke, i know how paralyzing the fear can be, and how safe the planning and thinking and analyzing is. your mind blows the fear out of proportion. With more and consistent action, you'll find that the fear is really very small and weak. and prevents you from being content.
you dont even have to tell anyone. just look around, do some window shopping, get an idea of what it will be like. picture yourself in your own house/apartment, sleeping in your own bed, not walking on eggshells, all your windows closed properly. take the first step, its not as bad as you're making it.
"In a ham and eggs breakfast, the hen is involved, but the pig is committed".
