Nervous to titrate down after hitting my goal weight

I’m nervous about titrating down. I’m currently on 10 MG and 5 pounds from my goal weight. My doctor really wants me to go back down and not stay on 10 MG, even if I decide to space out. This is problematic because my insurance will only cover .5 doses once, so for maintenance I’m stuck at 5 MG or 10 MG. As background, I stayed on 5 MG for 3 months and near the end I was white knuckling it to get thru the day, so I’m not interested in that dose for maintenance.

When I shared my concerns on 5 MG, my doc suggested I speak to a nutritionist to get a handle on food noise and getting used to having some of that again once I hit maintenance. Has anyone gone thru this? Why is staying at a higher dose on maintenance not recommended?