Re: Ok when should the purposal come
Even in Canada, non-marital cohabitation agreements (NMCA) carry significant weight, and can limit the government from asserting you're common law, or dividing assets contrary to the terms of the agreement. If you later marry, the NMCA serves as a prenup. Whether it can be used to avoid assumptions about subsidies. Here in the US, a NMCA precluded my income from being factored into my then-gf's disability determination.
A NMCA is an extremely valuable tool to have in place if you plan to live together. It's complex, and you should each have a lawyer - but you don't have to. It's a good idea if your situation is complex, or you have significant assets prior to living together - those should be carefully documented, at the very least.
Love is an ideal thing; marriage is a real thing; a confusion of the real with the ideal never goes unpunished. - Johann Wolfgang von Goethe
CELIBACY IS NOT HEREDITARY.