I'm having a similar situation with my P that Summer had where the question "Are we done here" or "I think you've gotten what you needed from me" have come up. When she lays this on me I tell her that no we aren't done, and remind her of the bigger pictureof why I think I'm there and what I still need her help with. I have huge abandonment issues that we have ony touched on and she knows this, so maybe she is in a gentle way trying to probe me to talk about them.
If you aren't feeling 'ready' to take a break, don't do it. Explain to your T how you are feeling regarding not being ready to go out on your own yet. If you are siding more with your rational part .. then consider spacing your sessions out, skip a week between sessions, then 2 then once a month and so on to get a feel for it. I dunno - but when it's time for me to stop going, that's what I'll have to do.
Just a thought
Holz