I think you are being quite reasonable in assessing things and I would not recommend getting married for some time yet. Keep talking and working things out. Be very cautious about making your commitment legal, because getting out of it can be very messy, should you realize down the road that marriage won't work.
The world opens up... when you do.
Oh, oh, can't you see? Love is the drug for me. ~Bryan Ferry
"Love is that condition in which another person's happiness is essential to your own." ~Robert Heinlein