Hey Hon,
Following on from the others I wanna give you a big hug!
BUT also a tiny virtual slap too.
PLEASE PLEASE PLEASE STOP STRESSING!!
You worry so much about silly things with Chloe you sometimes miss out on how clever & intelligent she is for her age. My friend is like this too, it's not a criticism so please don't take it as such it's just the way you are.
As Flick said every child is different & guidelines are only guidelines they aren't set in stone rules plus each child is an individual with different situations in their lives & different things in their wee heads.
In my opinion if Chloe were ready then she would be going for it. She doesn't seem ready in herself although she may be showing the signs but the fact that she is getting upset & not wanting to do it shows she obviously has a fear/mind block when it comes to it.
My suggestion is you stop trying, put the potty/toilet training seat away, ditch the pull ups & keep the nappies.
You are a strong woman & you know that what your doing for your daughter is the best so who gives a sh*t what other people say etc!
Ellie's nursery were a great help but even they commented it was taking her a while- i simply said i'd rather do it slowly & in stages than overnight & have her having accidents & setting herself back.
Basically what I did was put a pull up on at night, took it off in the morning & put her on the potty. Just before we left the house in the morning i'd put a pull up on her for going to nursery, then her pull up came off as soon as we got to nursery & they put her on the potty, At sleep time in nursery she was getting a pull up on then it came off again when she woke up & I just kept putting her on the potty every 15-30mins when we got home. She very soon got bored with me annoying her & was going herself in the potty.
Now she will have a pull up on when she goes to bed at night but what I do is put her on the loo before she goes to sleep so even if she does a little dribble shes still doing something,
She has now had times where she's been asleep for 2-3 hours with no pull up on & no accidents- this is because I put her on the loo or the potty about 319 times a day if we're heading out anywhere!!
Anyway hon sorry for such a long reply, I hope it helps a bit & PLEASE stop worrying. Your a great Mum, doing a fab job & you have a lot of stresses in your life which are never easy but don't let this be one of them because other people's opinions don't matter!
Good luck.
Lauren xox