Normality - what legal protection do you mean.
When I got married it made it slightly easier to split up ie if I get a good solicitor, I could get a good long term settlement
, but there's no real 'protection'
I only have rights to the house as it's in joint names - you could own a house in common. When our last house was in his sole name, even though we were married he could have sold the house out from under me, taken the money and run and legally I wouldn't have had any redress (other than to do what an unmarried couple would have to do and sue him) as it was legally HIS house.
I am through marriage, DHs next of kin, so would get to decide if the life support got turned off or left on
You could have legal documents drawn up making you next of kin to each other.
There's a small level of inheritance advantage (I believe / hope) as we're next of kin / married.
There's a small advantage with his death in service benefits, but with most pension schemes that I've come across you can actually name any relevant beneficiaries, so you could do that.
I think I automatically inherit the rest of the estate if he dies first and vica versa, again drawing up a will (packs can be bought for less than £50) would resolve this.
What 'severe financial penalties' are you facing - you know there's NO married tax allowance now and no financial advantage (that I've found) to being married. Infact DH and I often joke that we'd be MUCH better off financially if we did get divorced...
Marriage is about partnership and trust, as any other relationship is.
If you really don't want to be married but you CAN still have the same rights as marrieds without getting married (which you can now, at little cost) why are you so annoyed about marriage?