I just started PT this week for "pain control and strenth" at 4 months post fusion. I am NOT fusing and have loose hardware... but my surgeon is at a loss as to what else to do at this point. As long as my PT is gentle he okayed it (i'm in aqua now)... so wonder why your's said "no" to you???
Congrats on no pain tho, YIPPEE!!
Its my understanding fusing can take up to 1 year so I would not worry about being "only" 65% - that sound wonderful at 3 months!!
I would recommend lots of walking and so forth (as you feel up to it) to keep up your strenth as you wait to begin PT.