because it will be the marital home. You can be added to deeds, and I would suggest it, but if it DID go tits up several years down the line, it would be considered that if you were married and had given up work to raise children anyway. If it is lived in as the family home, it is generally considered used for the family benefit, so generally considered a marital asset.
I mean if you think its all going to be fine, then whats the point of putting you on the deeds right now, as you will never be able to realise that investment unless you split, and thats not going to happen?
I think you misunderstand people here. And Im sure he is a lovely bloke - everything you say suggests he is. However many of us are older in the tooth than we wish to admit, and we have seen many a perfect love story end in tears, many from the women, because they got carried away in love and forgot to put their hard financial hat on.
Marriage gives security if you are the lower paid, and the one giving up work to look after the children. How much you want the children doesnt come into it.
Unmarried mothers giving up work so their partners dont have to take the hit on their careers benefits the man whilst impacting the woman greatly. Men with children are seen as responsible and promoted. Women with children are seen as a risk, and this is where the gender gap in pay kicks in. Added to that the financial dependancy, and the gradually falling into the support role, responsible for everything within the home. If you have a good man, this is not a problem. But too too many men still rail against this, as it goes against a good two thousand years of socialisation.......
so no, we dont say he is a baddun. We dont say he is going to leave you. But we say you dont really know each other yet as you have never just done the humdrum day to day on your own, and figured out all the questions, all the who does whats, survived the first big row.
You dont know and we dont know how things will play out, but is it not sensible to take steps to protect yourself. Shouldnt he want you to be protected, and to make decisions based on the best timings, on being ready, rather than a probate timeline.