Even though I feel the same way as you do, reading things like this always makes me giddy and happy.
As for you, OP. I felt very similar until I started using my imagination to interact with her a lot. I know the imagination thing isn't for everyone, though. Though, you need to accept that the girl you love is in a whole other form than regular 3D girls. I want you to look at the positives of it rather than the negatives that you listed. For example, she will never be in danger. She could never be tempted away from you (not saying your waifu would do that anyway, but still). You'll always be with her, and you can never lose her. Even if she's not real and you don't want to imagine her or can't create a tulpa of her, she still lives on in your heart as long as you love her.