I just got back from NY and my fiancee visa was one the things on my list to accomplish. I heard so many horror stories and thought for sure I would get into some kind of argrument or something especially with Belgium Beer not being there with me to calm my butt down.
I live very close to the city so I made a day out of it by doing wedding stuff, some clothes shopping, etc. Got there about 10'ish or so. Went to the "fast check line" (I think that's what it was called) and had a conversation that didn't even last 15 minutes. Gave the guy the necessary documents (and did not even bother to bring any personal items with me like records of phone bills, emails between us, cards, photos, airline ticket stubs. Nothing.) Gave them basically the letter of support from my honey, a certified copy of his passport, the rental agreement for our apartment, a copy of our savings account statement, and copies of our contracts from the various vendors we have hired for our wedding in NY (videographer, bridal coordinator, photographer, the band, the ensemble, reception hall, receipt of my gown, etc.). He said fine you're good to go. Come back in an hour to pick up your passport.
No horrible experiences here. We did my visa on-line which I found really easy and convenient. The funny thing is I worked across the street from the consultate for 2 years and never even thought I would step foot in there.