I am not sure if you are still looking for additional thoughts on this, so I thought I would add my 2 cents. A true Buyer Agency contract is one you sign after going over the contract with the Realtor and all parts are explained to you including what your obligations are moving forward to secure a home and what the Realtor's obligations are to you. Two of the few reasons the contract exists is to form a committed relationship with each other. This means that the Realtor will be sharing with you their knowledge to help you find the right home at the right price with a full understanding of what to expect thru-out the process including negotiations, inspections, financing and closing.
One of the other reasons the contract exists is to commit that you understand in return for these services, the Realtor will be paid at the conclusion of the sale without regard to where the house was listed for sale. Many Realtors will breeze over this part, even saying that you will never pay this fee, that it will be paid by the seller. This is inaccurate. If as part of the seller's closing costs, they are paying a cooperative fee to a buyer's agent, that is less money in their pocket at the closing. If the seller were not paying this fee, they might have negotiated a lessor price with a buyer - so please understand that the bottom line is that while this fee comes off the Seller's side of the HUD, it does impact what you pay for the property.
When I work with my Buyer Clients, we don't sign a contract until we have a long conversation about what it means for both of us. They even understand that what is offered in the mls may not cover what my negotiated fee is and that they will be responsible for the remainder, if necessary, at the closing and take that into consideration.
Please think hard about the time you have spent with your agent. If you just met, have not looked at any properties, not discussed different financing options, not discussed the best mortgage brokers to work with or which neighborhoods make the most sense for you etc - then perhaps they have not earned the fee - but if they have indeed provided you with guidance, knowledge and shown you properties that have allowed you to make an informed decision about this fsbo - they have indeed earned the right to be paid.
I wish you all the best with your purchase and hope it works out for you.
Better Homes & Garden RE
The Masiello Group