We're a bit of a mishmash.
I'm not religious in ANY way (though I grew up with Mexican and Irish Catholics so my old friends consider me Catholic by proxy, LOL), but I was never the type that wanted to live with a guy until I was married, just because. Didn't feel right. (note, I wasn't against doing married "stuff", just didn't want the dude to live with me)
Hubby was raised Buddhist, then took a Christian turn (southern baptist while attending a missionary school in Taiwan, if you can imagine what that was like), but went back to Korean Buddhism as an older teen. He had lived with a girlfriend that he married quickly, it was a HUGE mistake that was annuled within 9 months (civil annulment), and he didn't want to live with anyone until married just b/c of the hassle.
We met, got engaged inside of 4 months, then some months later my roomie took off. My credit wasn't the best but my rental history is PRISTINE and I wanted it to stay that way. I looked everywhere...found no one. Finally looked to him...he was living with his mom b/c she had had two heart attacks and needed someone with her during that time (her now-late husband lived in San Francisco b/c he was in shipping, and she didn't want to live away from her children). It had been a year or two since the heart attacks, so she was OK...we decided to have him move in.
We were an interesting couple, because NEITHER of us wanted him to move in! We actually considered having separate rooms (since it was a huge two bedroom apt) but knew that was silly considering our relationship...but it was extremely uncomfortable for us. My aunt visited, and while she was there he slept on the couch until she told him to get back to the bedroom, and we went down to Oregon with her, and she thought I was ridiculous b/c I insisted on sharing HER room instead of staying in Robert's room. Craziest thing is that she is a staunch conservative Christian whose daughter was a Good Girl (who married drastically young, LOL, but it's worked out) b/c of their faith...but she knew we were NOT, and thought it was silly that I was so weirded out by the whole thing.
And it turned out that, for us, living together nearly destroyed our relationship. The "business" side of it, even though we were never really 50/50, was too much. Planning his dream wedding while doing the business side was too much. It was all just too hard.
And even though there was no religious aspect to our not wanting to live together...we absolutely HATED what others thought of us. It made me, especially, cringe to think about it.
And I'm here to tell you that...after we had our break up, engagement-ending, counseling, slow getting back together, and moving back in (because my boss was driving me *literally* insane and I quit suddenly, and the great huge apartment was now way too noisy b/c of construction)...it is entirely possible to live together, even when you have had (in the past) a physical relationship, and NOT live as a married couple. Why, you ask? Because I bought a gown 2-3 sizes too small (thought it was 1-2 sizes but Marisa gowns are sized even smaller than normal) and I was GOING TO FIT into that gown, and had NO interest in a pregnancy before we were married. So it's very possible, even when sharing a bed. Even with no religious convictions.
HOwever, people are going to *think* you're up to no good, and even without religion behind us, that was really hard for us, and I would put that up at the TOP of your list of reasons why not to do it.
Believe me, I would jump for joy if he would propose right now. We have talked about it and he feels it would be irresponsible to propose until he has a stable job (which he has had a hard time finding as he is a social studies teacher.) I can fully respect that. I still wish he would propose, but I do understand his reasoning and can't fault him for being practical.
Why is it necessary for him to have a steady job before proposing? Thinking that through, unless it's just an ego thing (must be Man, ignore that EB has steady job, house, and solid income, must Provide...which I totally understand as long as he's been really obvious about that), there's really no reason for it. You probably won't be quitting your job as soon as he proposes, you have a house, etc etc...there's really no reason to NOT propose, unless he wants to do so with a ring and doesn't have one yet. That's a reason...stronger for some than others...but I hope he's being forthright about it, instead of just talking nonsense about having a steady job before proposing.
That's my main issue with your post, is his silliness (IMO) about that!
But my main point is...regardless of what control you two have over yourselves, the perception of others is a difficult one, especially since you have convictions that make it even harder on you, to have that assumption.