Cohabitation vs. Marriage

Me and my husband have lived together for almost as long as we have been together. Nine years. We married only in 2003. After we bought a house, after I graduated from college. I still get mail that comes to our house in my maiden name. When I mention this to people, they inevitably tell me how lucky I am he actually married me. I really don't understand that. I understand it is supposedly a sin to living together and fornicate before marriage. That was my parents spin. That and they believed my husband would never truly marry me since he "already had me". I got wedding magazines for Christmas presents for about 3 or 4 years. A traditional Baptist guilt trip.

To be honest though, there isn't much of a difference between being married to my husband and cohabitation. Now we are considering having kids, but that is the only difference that has changed between then and now. I guess I see the divorce rate in this country and figure that breaking up while cohabitating is less messier than being divorced. Oh and we spent a lot of money on a wedding and honeymoon.

Why does cohabitation have a stigma? Do guys really think they are getting something for free when they live with someone? IS cohabitation insulting for the woman? Is she getting played a fool?