I've fiured it out. I don't want to write a romance novel: I just want to have an everlasting, ongoing one in my head. The hero regularly changes his features and his name to fit whatever unlucky guy I have a crush on at the time (be he real or celebrity), although I generically assign him the qualities which I consider essential to my hero: funny, silly, charming, sarcastic, wild, athletic, bookish . . . although it seems obvious that Elijah Wood (a previous incarnation of the hero, about three years ago) probably does not have all these qualities in the way I imagine and neither does hot-guy-I-saw-twice-on-bus.
The fact that I indulge in these harmless fantasies (usual plotline: we meet and are instantly in love, at which point I somehow take revenge on someone I don't like simply through the hero's very existence) isn't a problem, I've done it since I was eight years old. (Although the fantasies? At eight? Were about as graphic as the Care Bears.) However, now that I'm writing a romance novel, it is sort of a problem, because I approach the novel in the same sort of way. Because they're my fantasies, I consider "obstacles, overcoming" as not necessary, and in fact annoying, parts of the fantasy. Especially if the obstacle in question is something keeping myself and the hero apart. There's never any bickering, or personality clash, or one of us saying "No, I can't love you, because X." Bo-ring! Let's move on to the bit where everyone I know is so very impressed that I'm dating Johnny Depp, mmm-kay? But that's not how a novel works. There need to constantly be obstacles to the relationship that they're overcoming, but everytime they overcome one, there's more, usually supplied by their own warped psyches. (Hmmm, I wonder if my own warped psyche and its plethora of fantasies would make a good obstacle to a romance novel plotline . . . nah, too meta).
I have to work harder at having my lovers hate each other, that's all.