In response to the what happens if someone passes away thing
Marshall and I have living wills established saying that the other is allowed and WILL be allowed in ANY hospital that I or he is ever put into no ifs, ands, or buts about it the END the wills also go onto state that my life insurance policy states that Marshall and my mother are Co-benefactors neither can sign the papers without the other and neither can collect a dime of it without the others signature same for his, My mother has become Marshalls mother due to the lack of his own so I can't touch his property/money without my mothers signature
Unfortunately we live in a time where Bigots dictate how other people may live there lives so our choices are FAR limited compared to a heterosexual couple we have dealt with it as best we can by having attorneys draft wills for us ect. but its about the same security you can get from a marriage everything can be taken to litigation :]
I say if you know what you're going to do why not try it?
you seem to be pretty focused on your education, and if its cost efficient to live with someone while you're continuing your education GO FOR IT!!
Lucky for me our house is big enough that my mother doesn't mind me living in Sin