Yep same here, me and my girl have been together since I was a junior in high school (beginning of 2007 we met) and I managed to beat the teenage hormones and not run off to get married. Since I matured and have read about many bad experiences I may have a small marriage phobia. I mean I would love to but the fiscal repercussions seem too great.
I wouldn't get to worked up about. Obviously it's a huge decision, but it's not the marriage itself that causes the problems. It's typically other issues that come to light or become more noticeable. My wife told me a few months ago after being married about four years that she didn't really even want to marry me in the first place. In my head I'm thinking then why did you go through with it just to twist the knife four years later... Honestly I believe it's something we probably could have worked out if we could have got into some counseling together. If you ever feel the slightest bit like things aren't great don't be to proud to do suggest counseling. From what I understand a lot of these could be curved and happiness restored with some good communication, and solving other underlying problems.