everybody's talking about the legal side of it teeny bcs this is important. but for you the most important thing is that you want that ring on your finger and for the world to know he is committed to you in the way you would like - fair enough! you want the wedding, end of. it's obvious him not proposing is really hurting you. you've been honest about that - and tbh I don't think for a minute you are alone with wanting your man to get on with it and marry you. this is what you want and nothing else matters more to you at the mo, which is fair enough!
it's a shame you don't have much family around bcs we were in a similar position in our family with my neice. although she insisted she didn't care one way or the other about getting married but was happy to live together (no children), we weren't convinced. it started with my mum having a word with her partner (when are you going to make an honest woman of her? this didn't go down well all round but tbh I was glad somebody was saying it, and my aged parents were the ideal people to say something like that), then my dad (ditto); then my sis, her mum, put a box of confetti in his christmas stocking - all meant to be a joke and light-hearted but obviously serious underneath. it was obvious we were all waiting for him to get on with it. in the end he proposed in the most romantic way and had put a lot of effort into the ring. do you have anybody who could have a word with him? I don't think he fully realises how much this is upsetting you.
it sounds like your oh feels intimidated by the whole shebang, not least the cost of a good ring. it sounds like he wants to give you a good ring and would feel ashamed if he didn't. men can be a bit der about what is important to a woman and it could be that he feels the pressure to make it all perfect. tell him he doesn't need to, that you would be very happy with something more low-key (would you?).
the cat's out of the bag and all your friends know that you want to get married bcs you can't hide it and it is getting critical now. can one of them have a word with him? not threatening but just come on, get on with it, she's wilting away.
good luck sweetheart. MN is a bit strong sometimes but also very kind a lot of the time (surprisingly so) under a brusque exterior. all the advice about legal stuff etc is actually very caring even though people can say it in a tough way. have you heard of netmums? that's a bit softer.
sorry, I've written an essay here . I do wish you all the best and hope you don't have to wait too long before you get the desire of your heart xx ps he sounds like a good man