Just from what you wrote, from my perspective, it doesnt sound like you have as many pros for Jane as you do cons. It sounds like she is nice and convenient, but there is no spark. You still value your freedom too much to even begin thinking about committment, especially evident by not wanting her to go to the music festival with you. I go to a big one every year and most couples love to share that event. There is nothing wrong with valuing your freedom though. you still sound like you are young. you are not ready to settle down. you and jane just need to be on the same page about this for it to be fair. i suggest being honest about not wanting to move in. after 3 years, a girl is typically looking for a commitment so she needs to know where she stands. if you dont see a future togehter, its best to move on now.