Please help me with advice. Except you and your subscribers have no one to ask.

I'm dating a guy for a year, I really want to live together, but I can not get rid of the fear of cohabitation, about which many people say that it is a waste of time and only.

And indeed, I have enough examples of couples in which people live together, but the girl eventually begins to want more (family, children), and the guy is satisfied with everything and it lasts for years.

Can I ask what the girls experience is? And overall opinion about cohabitation?