All I want to have a honest answer from him what's his true intentions. After mev asking him yesterday why its taking him sov long to propose he replied ok is it your mum talking now? You both are clueless. Whatever that means.
It means he doesn't want to marry you.
Stop talking about his 'true intentions' and that 'deep within' he wants to get married.
He doesn't want to marry you or he would have proposed.
He doesn't want to do something that is important to you and protects you and your future.
He doesn't.
Why aren't you listening to anyone who is saying that?
If you aren't willing to leave him then that's your prerogative. If you aren't willing to go full time for the reasons outlined by many of us then that's your prerogative. If you are ok with this dynamic being what your kids grown up thinking is normal that's your prerogative.
Those things are how it will always be, it won't change because he doesn't want to get married or he would have proposed. He doesn't even want to be engaged or he would have proposed.
It sounds like you've made your choice so I'm not sure what help anyone can be and it doesn't sound like you're going to properly sort out the legals etc.
If you don't do them, and he breaks up with you or passes away at some point, then you'll be having to apply to live in those areas you hate anyway as you'll be financially screwed. So I would suggest prioritising the paperwork to give you at least some protection if he was to pass away for example. But I can't see him signing anything that means you'd get anything if he were to leave you. Because he sounds like he doesn't give a shit.