We are having similar issues, DD is 25 months and is totally physically ready but refuses to sit on the potty or toilet, however a few days ago I took her to a family bathroom at the mall and she was just about falling over herself to sit on the mini toilet without a nappy. She didn't do anything but I was so happy, I gave her a puppy sticker when we got home and tried to follow up with the potty - no luck. Now I'm thinking about getting a fancy potty chair but I keep hearing horror stories about the kids refusing to use other toilets when out and about.
From what my well child nurses have told me what your DD is doing is normal and as long as she isn't fighting you keep at it