Am I playing too scared?

[HoneyBadger]

Actually, when I think about it, it's not that bad. I would also raise the flop though, and then either keep betting when checked to, or call down when 3-bet. But I don't think your line is really that much worse. Sure, you may miss some value, but you will also sometimes safe bets, and at other times you keep UTG in, probably drawing nearly dead. So some of the potential missed value is regained there.

[mattnxtc]

As everybody said, raise the flop call down if he 3bets. Quite a few of his holding may appear to be ahead based on this flop.