Taking into account what I have already said, if your fiancee is prepared to risk losing the application fee and you feel you can both live with the disappointment you will feel if your application is rejected, then you may still feel it's worth applying for a visit visa.
You never know, you might just be one of the lucky ones. If you're not lucky enough to get one, at least you'll have something else to add to your evidence of relationship when you eventually apply for a fiancee visa. Whatever you decide to do, good luck to you both.
Iain.
