I agree with all of this and had similar marital benefits. It’s still a risky proposition. I dated for 7 years before proposing and we had lived together for a few years and I was in my thirties by then. Not saying this is the best recipe. But I think it’s just not something that should be rushed. When I hear about people meeting and being engaged a year later I just can’t fathom that working (I know it can and does, but I think it introduces a ton of risk).