I would've chicken out too, girl. I was cutting an inch a month trying to transition so that I'd have hair after my chop. I wanted to chop waaaay before that because my ends looked pitiful compared to my natural hair. I planned to wait until the end of this year but, I kept looking hard at those scissors every time I wet my hair. In order to actually chop, I had to announce it on a few boards to hold myself accountable. I was nervous up to the last minute because I didn't know what to expect and can't even remember being natural at all. But, once I started, I couldn't stop. I trimmed a few times even after my initial chop. I also go carried away and called myself cutting a bang in my hair. WHAT was I thinking. It'll work out in the end tho. I LOVE my hair!
Do what you have to do to be comfortable tho. You'll know when it's time.