I'm paranoid that I'm folding too much

[bozlax]

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So when b/f'ing is no good and c/c'ing is only good if he is very agressive why not go for the neutral ev play?

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Who said b/f was no good? I'm sure as hell not calling a raise. Also, bet-fold is not EV neutral, because you're giving up equity; fold pf is the only truly 0EV play.

Dude, you're not firing the last barrel on the river UI if you're called on the turn. But if you don't fire on the turn in this situation, you're just begging people to limp in against you and wait for you to miss the flop and bet into you on the turn.