I've been thinking about this (because of a conversation with someone else) today. My parents have 5 failed marriages between them and you'd have thought it would have put me off but despite saying in my twenties that I would NEVER marry, I married dh1 at 30, divorced him at 33 and married dh2 last year, at the age of 39. We arranged it all in 3 weeks, it cost £2k and we only invited immediate family and 2 friends, so I think it was 14 adults and the same number of children. It was a fab day.
One of my unromantic reasons was that I was doing a LOT of driving at the time (2,500 miles a month) and was terrified I'd be in a crash on the M1 and he'd have no legal rights over my life support (romantic huh?!) etc.
My romantic reason is that we love each other and wanted to be married as opposed to getting married. We'd talked about if for a few years and I just thought we should get on and do it really. We have a dd, who is 3, and I have ds, who is 9, from my first marriage. Marriage #1 ended amicabably in the main though, I think that helps.
I don't mind the baggage, I don't mind being called his wife or he my husband and I am an ardent feminst who has never changed her name and reminds callers that I am Ms not Mrs or Miss.
I earn more and if we split now I'd be obliged to pay maintenance but that's the deal, I can live with that and anyway, I am, right now, very optimistic about our future while recognising that these things can and do break up.
We've been together 6.5yrs btw, I am 40, he is 30. HTH.