I think it's normal that it's an issue now but wasn't before.
Deciding on R puts you in a very vulnerable place. Touching and being intimate is a vulnerable experience. Maybe it's just too much "risk" for you right now.
Lots of people have a false R or another dday. It's ok not to be 100% vulnerable until you know he's in it for the long term and for real.
I would treat it as a phase that will pass as you feel more secure in your R. It's ok to wait on that stuff, even if you are trying to R. A remorseful WS will understand.
I think you are over analyzing that this is happening, not that you are over analyzing the cuddling. You aren't ready. Things have changed. Give yourself time.