StreetGeek,
People are social creatures. Besides for the obvious physical needs that are fulfilled by a Marriage there is something about living with, being loved by, and loving a loyal companion of the opposite gender AND being secure in it, that fills a necessary emotional and psychological need; and that’s all besides the fact that is a Mitzva.
If the only reason someone feels fulfilled in a Marriage is because it is a Mitzvah or because they are serving Hashem by being married (both of which happen to be true) that is indicative of some pretty deep issues-it shouldn’t be even remotely that way.
That being said if you really feel your aren’t ready you probably shouldn’t do it. One thing you should take into consideration is that there are solutions you can find that many Rabbonim will allow like birth control etc. that will lessen the radical changes in your life that take place after marriage.
I personally found marriage to be a less radical change then I thought it would be, and that’s despite my having to go to work right after straight from Yeshiva but that could just be due to my wife’s and my personalities and may not be indicative of the “marriage experience” in general