In fairness to the OP - she did not know her partner wasn’t interested in marriage until she’d had two children and was invested financially. Until 3 years ago he’d lead her to believe that marriage was on the table and been vague about it.
The issue that I would have a problem with is his lack of transparency and not being open with you. He’s then changed his views and not really considered how you feel. You should be having deep and meaningful and he should care whether you’re happy and feeling loved and secure.
I think for a woman, and I’m going to be told off but I think it’s more important. Society has evolved but I think the reality is that your relationship is respected more. You are respected more by women that are a bit backward and plenty of them exist. Even now there’s more traditional values that conservative sections of society respect and uphold and I think being married does matter.
There are some women who see you as not having a high self esteem or making judgments about how your partner views you. It doesn’t matter but I’d prefer to be protected from that and have a partner that wants to let people know that my sacrifice of youth, life, time & having his children is valued.
We are all different, after kids and a house it’s surely not about the romance for you.
If he ever dies or is in hospital, being able to call yourself his wife, is a cultural thing and people automatically click and realise the significance. Sometimes it’s handy not to have to explain your significance, “oh my partner that I live with that makes me tea in the morning and we have kids - is in emergency can I be let in”.
I think you need a heart to heart discussion
and think about what it means to you. This is your life too and you are raising his children, paying a mortgage with him, giving him days and time you will never ever get back. Ask for what you want and explain the significance.
It doesn’t sound like you’re standing up for what you want.
Cups of tea in bed is really nice, but you’re entitled to more.