I'm frustrated with my fiance's and my sex life
Why are you feeling frustrated about your sex life?
I get annoyed when I get touched, scratched or hear moaning sounds.
Part of being in a relationship is dealing with problems, if you are having issues with sex, you should talk to your partner. Otherwise you will get more and more frustrated.
She will never change so I might as well just break it off with her.
Maybe you should if you strongly feel this way. For some people, sex is a deal break so this will be an issue you have to bring up with her early on.