Other than the assets thing, I'd be concerned about next-of-kin rights. As I understand it, if you are cohabiting, it doesn't matter if you have been together for 20 years - if something happens to your partner that requires next-of-kin type permission then legally you are not next-of-kin and therefore have no say.
Yeah, next of kin and inheritance are two good reasons to consider getting married (if you're not a believer in marriage being a good thing in and of itself).
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