Of those two ceremonies, anand karaj and Amrit, in one way, at least, the Amrit is the most binding. Marriage ends at the death of either spouse. Amrit doesn't end.
To me, and this is just my opinion, I cannot imagine the point of being a Sikh if you have not taken Amrit and are not working toward it. If you wait to feel ready or worthy, you'll never accept this blessing, because no one is ever ready and certainly, no one is worthy, IMO.
Here is what I suggest. Do a trial run. For a month or 6 months, or whatever period of time you choose, live as if you had taken Amrit. Do your Nitnem faithfully, keep all 5 kakkars on you always, observe the four taboos, in short, live as if you were a Khalsa. I suggest you enlist the assistance of an Amritdhari Sikh who can show you the ins and outs. After you've done this for a while, you'll have a pretty good idea if you can live according to this way of life. Don't expect it to be easy and, if you, fall down, pick yourself up and keep on going.
Remember this, Amrit is the first step in the journey. These "rules" are the external things that will help you grow toward the Sikh you can become; they are not arbitrary. There is no magic in the initiation itself. The "magic" comes from your commitment and your willingness to learn and move forward.
Guru fateh!