I'd rather you be "hurt" by what I say here...but then that starts you thinking about and acting to protect yourself and any future dc, than we give you wishy washy "advice" that seems kinder short term but isn't actually honest.
I am a divorcee with 1 dd. We were married 10 years together 14. He was raised by a father who was a divorcé but had a good relationship with his ex wife and was a very involved father who continued to pay half the mortgage and a decent amount of cm without being made to. Before we split my ex was very strongly anti deadbeat dads...
BUT Had I not been married my ex would have got away with:
Emptying our bank accounts days after we split due to his affair.
Taking the family car and leaving some with no transport in the arse end of nowhere with no support network
Taking other items from the family home of value and which left me in great difficulty.
His character changed so much, so quickly his own family thought he was having a breakdown. He wasn't.
I have seen it a thousand times in real life and umpteen times threads on here (go through the relationships and lone parents boards thoroughly!)
Men who dither, string along...wasting a woman's fertile years stalling on marriage and on dc, then ultimately the next woman they're with they marry (before having dc) and have dc with very quickly.
At your age pregnancy will not necessarily be easy, you may well need to leave work on maternity leave earlier than younger women do, if the birth is difficult or heaven forbid the baby isn't in good health, not only might you need longer maternity leave you may be unable to return to work full time if at all.
It doesn't sound as if you (and I mean you singular) are particularly well off to mitigate any potential issues.
In addition bear in mind where a child does have health issues that puts a strain on the strongest of relationships and can often lead to couples breaking up.
We're being blunt because it is necessary. Because we have seen loved ones lives completely wrecked due to not protecting themselves and their dc and don't wish it on you.
We want you to be happy, protected and secure.
As I say please do peruse the relationships, lone parents and dare I say threads concerning children with additional needs.
Yes one hopes and believes things will turn out ok hope for the best BUT prepare for the worst.
It's not even necessarily about your partner leaving.
I have a relative who lived with her partner and their dc, house & significant amount of savings in his name, she was a sahm...
Then he died very unexpectedly in the most awful circumstances. As he had no will it all went to his parents. Prior to his death she had got along well with her "in laws" but as soon as he was gone those good relations went out the window.
She had to move house, move out of the area she'd been living in, return to full time work when she and the dc were very much still grieving, still reeling from all that had happened.
I've also known of a case where it was the man's ex inherited as he was married to his ex wife still and hadn't bothered divorcing or making a will. Partner again had to leave "family" home as it was in his name and she'd no claim on it.
The worst one I know of was a woman who didn't know she wasn't legally married to the man she believed was her husband, as again he'd not bothered divorcing wife 1 and had married "wife 2" bigamously. Again not discovered until after his death.
I also know of a couple where he had a high earning job and was then injured in a car accident and paralysed, job gone, she has to care for him so can't work but there were many problems initially as most of their accounts were in his name and he was incapacitated so couldn't give permissions etc was a nightmare. They eventually got things sorted out but it was a really difficult time for them.
My parents are married but even so they're in their 70's now and both in poor health in various ways, yet they've still planned everything in the event of either one dying from powers of attorney in the event of... to wills, life assurance, organised the ownership of the house appropriately, how they want their funerals, knowing each other's passwords for electronic access etc.
Normally I can understand to a degree people thinking this only need apply to older couples but especially in the current crisis I really think couples need to be prepared.