Welcome to the forum. Thanks for your question.
Questions about genital warts and other HPV infections are very common on this forum. It's a complex topic, in part because new information is becoming available all the time. The thread below is a fairly recent (8 months ago) summary, and it has links to several other threads. There's a lot of detail -- I hope it isn't all too confusing -- but take a look. In the meantime, here are some brief comments and replies to your specific questions.
http://www.medhelp.org/posts/STDs/HPV-concerns/show/1819004
You clearly have genital warts. All warts are caused by HPV; there is no such thing as a non-HPV wart. Warts typically appear a few months to a year after catching the virus, although sometimes they appear (or reappear) years later. The virus is definitely not transmitted by "cuddling"; there has to be direct penile penetration or direct genital-to-genital skin contact to transmit the virus. If you and your fiance have not had intercourse, she is not at risk, regardless of Gardasil. You can assume you have been carrying the virus and capable of transmitting it for at least a few months before the warts appeared -- so if you HAVE been having sex with your partner, you can assume she has already been infected and there is no point in stopping sex now. Gardasil is very effective beginning after the second dose of vaccine, although not fully effective until after the third dose. So if your warts are caused by one of the types covered by the vaccine, she will be protected, if not infected beforehand.
I hope these comments get you started on the information you need. Take a look at the other threads as well, then let me know if there is anything that isn't clear. In the meantime, don't be worried. Genital warts are an inconvenience, not a serious health threat. Regardless of her immunization with Gardasil, if your partner doesn't develop visible warts, you needn't be worried at all; and if she does, they can be easily treated, just as yours can be.
Best wishes-- HHH, MD