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I was married for 20, been with a live in SO for 10 years, Both have their points but a woman who's life will take a huge downturn is much easier to deal with than the one who will try to take 70% of your shit. One who has their own money is like a unicorn.
I feel better with a simple cohabitation agreement, Our names are both on the house along with a trust with a contract that says basically that if she leaves me she gets a flat $20 grand, If I throw her out she gets $40K. or enough for a DP on a place.
I'd be more than happy to discuss privately the financial arrangements I have made.
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