Elly, I can totally relate to your #3 (refusing to buy/shop/spend on stuff that may not work). Thank you so much for sharing!
For me, the fear is mostly about fit. In the past year, I've gotten a lot choosier about fit. Initially, I donated many of the items that didn't fit me, but when I literally got down to a dozen tops, my wardrobe options got super-duper limited. I have more tops now, but it's really hard to "let" myself buy tops because I'm afraid that I'll get rid of them after only a few wears; somehow, I've convinced myself that I'll magically find some sort of fit issue that I've overlooked in the store.
Is this fear unfounded? Yes. Does it affect my enjoyment when shopping? Also yes. The result is that my wardrobe is still fairly limited and has some pretty big holes.