There is a lot in this thread that takes me back to my mid twenties when DW and I were about to get engaged.
There is a lot in this thread which makes me despair for any young man who partners with someone who is more successful, more grounded and with better prospects than them. Despite protestations to the contrary, society clearly has not moved away from seeing the main role of men as a provider.
My MiL in particular did not approve of me (we still have a business like relationship tbh). My FiL was much more laid back but it was clear from the moment that we were serious that MiL did not think I had good prospects, was not financially stable and was a poor alternative to DW's previous partner who was a Medical graduate (despite the fact he was an absolute arse to her according to BiL).
I had sweet FA in the bank when we got engaged. I lived month to month and drove a crappy car that I loved. I wasn't 100% sure of what I wanted to do and, worse still, had dropped out of a good university course to work in sales (not a proper profession)
DW proposed to me (leap year) and while I was over the moon about it, I was also secretly gutted as I knew I could not afford a ring, would not be able to pay anything towards the wedding and the cost of a honeymoon was beyond me - I had only had one cheap holiday in the 5 years years prior.
We announced our engagement and FiL was the only one who looked anywhere near pleased. I suspect he was just happy his DD was happy - even though I was not a good match.
MiL then started on about a ring, a date, plans and a honeymoon - all the things I dreaded.
One public comment from MiL in front of her extended family about the ring needing to cost a month's gross salary at least "but I expect that's beyond you at the moment" was quite hurtful really.
We went out to get a ring and, to her credit, DW deliberately chose one closer to a week's wage as she knew her mum was correct.
I convinced her I would go back later in the week when I got paid and buy the ring because I did not have the cash. Truth is I needed to get it on credit and when I went back, failed the credit check. Cue a call to my parents to ask them to lend me the money.
MiL did not approve of the engagement ring - at all. I got my granny's wedding ring to give to DW as her wedding ring and this was seen as another example of my financial unsuitability as mum paid for it to be re sized.
I moved cities when we got married and had to take a lower paid job as there were none at the role or salary I had before. Three days before the wedding MiL told us both she gave us 6 months after she heard about a row DW and I had - part of which was financial.
DW paid for the honeymoon, her savings were the deposit for our mortgage. Her salary paid the bills, mine paid for shopping and entertainment.
MiL constantly asked when I was going to get a proper job and be able to support a family - "don't bother to answer DW, I know the answer is never"
Twentyish years on, I have earned significantly more than DW for the last 10 years, similar for the 5 years prior and less for the 5 years before that.
I had a failed business and this was a sign she was right all along (with a sly mention that Dr Ex had moved to X prosperous village in a big house etc).
The point I am making is that no one here would condone the view that a female who was less financially stable, with fewer prospects than her intended was proof she was a waster, fannylodger or gold digger. Everyone would see her potential contribution as a SAHM as equally valuable.
No one would see any sign of wanting to delay things for financial reasons as being a bad sign in a female.
OP - your DP may be sick of the pressure. He will see that your family think of him as financially unsuitable but be conflicted by the need to be seen to be doing something to move things on.
He may well be disappointed in himself that he did not plan better and wait until he could afford a decent ring before proposing. He may have just been carried away by the romantic moment and later describing it as a 'pre proposal' is a cack handed way of trying to buy time to get the money together (which admittedly could be years).
Have a proper conversation with him about marriage and wedding plans. Does he know whether you are bothered about the value of the ring or not? Does he know starting to make plans now doesn't mean you can't change the wedding to a couple of years time rather than next year?
Are you united in front of your parents wrt how you see your plans and future life together and the importance (or lack of it) of a party costing £000s to that?
He may be a cocklodger and all the things people are saying here. It does not sound like it to me though and only you know whether it is something you can work through together.
Sorry for the length of the post but I wish you both the best and hope you end up in a place that is right for you two (not your parents etc) whatever that may be