My fiance insists on talking to me in bed.?

REALITY - can you spend the rest of your life like this? Tell her if she does not stop, you are not sleeping with her now or ever. Hit the couch for a while. Believe it or not, this is a form of control. She knows you need to sleep but she wants to control the situation so that she can have her own way (maybe she is frustrated over lake of communication). You need to stop this or find someone new - it will not get better if you do not step up and stop it.