It does not look like either of you are stressing about whether to marry or not marry at this time. I would look at what you think would change if you did marry (why you want to marry instead of just continue to live with him "forever").

I lived with my husband for five years before he proposed; I kind of thought he would propose, he had to get divorced first and that was a very long process but it was interesting to me, how I felt during those five years and yet how startled I was when he proposed ("What do I say????" I almost panicked, like it had never occurred to me that would happen :-) and how I felt the day/week after we married, etc.

If you think about all the scenarios and what they trigger in you (would you feel "safer" married?) it might give you ideas on what you could work on in yourself so married/not married would not necessarily be an issue/concern.