I underwent a 3-month trial period living with my then-fiancee in an apartment, because we both wanted to make sure we were doing the right thing by getting married, and that we would coexist well under the same roof. The experiment was a success, and we took that final step. It had nothing to do with just having a place to screw all the time, it was about being responsible and making sure we were both ready for the final committment, or if we should just stay dating for a while.
In my value system yes...you should have stayed dating. What would have happened if something came up that you didnt like, or that she didnt like, just toss the relationship over? Marriage is about making it work not playing house.
We had our share of spats, it had nothing to do with being "perfect". For your information, my wife is BPD, and that means a HELL of a lot of work holding our relationship together while she fights that. Accusing us of "playing house" is an insult, and I'm extremely offended.