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Follow-up to my last question (U.S. citizen visiting Sweden next year)

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Hello all. This is a follow-up to this question I posted here: http://www.fodors.com/community/europe/us-citizen-visiting-sweden-for-first-time-and-i-have-two-questions.cfm

This is a long question, so apologies in advance for the long read! :)

I will be going to Sweden next year for a full 90 days (leaving on the 90th day) to visit my girlfriend and also do sightseeing/tourism in the country.

As it will be almost six months before the trip begins, I want to make sure everything is taken care of in advance and that I will not have any issues.

I will have at least 5000 USD (~35000 SEK) in savings while I go (which I can access via debit card). I will also be bringing my VISA and Mastercard (additional 5500 USD/38000 SEK) just in case. I will be staying with my GF, so the money is mostly for food/souvenirs/emergencies. I will be bringing a bank statement for the savings/checking and statements for both the credit cards to prove that I have access to these funds.

I have purchased traveler's insurance that covers 50000 USD for medical transport and 10000 USD in medical expenses (among other coverages). I will be bringing a copy of the insurance that shows this coverage.

I plan on bringing my return ticket with me, as well as a copy of my flight itinerary to prove that I am returning to the U.S. on the 90th day.

I will also have my GF's address and phone number with me in case I am asked where/with whom I will be staying.

My questions are as follows:

1) Is all of the above sufficient evidence for me to show the border agent I will not be overstaying/working illegally/etc.?
2) Is the trip I planned too long? Should I shorten it?
3) I'm concerned about encountering homophobia if I say that I am staying with my GF (I am female). Would it be safer to say she is my friend and not a lover? I am concerned about being denied entry because of my sexuality. I do not want to be dishonest, but I don't want to be sent home because of prejudice either.

Thanks so much in advance for the help!

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