What if I am actually settling?

I know asking this question in itself is probably part of ROCD… but what if I really am just settling in my relationship? What if the qualities that I dislike and fixate on are actually normal dealbreakers (e.g., we disagree on important things, he’s not affectionate or romantic in any way, he sometimes asks me to buy him things/pay for things)?

What if I keep convincing myself to stay because I’m just emotionally attached or scared of being alone?

It’s like some days I know that the doubts I have are ROCD and I think about how I need to heal from this. But some days, I think about how I need to “know my worth” and hold to my standards if I really want to spend the rest of my life with someone.

Help?