Literally, yes. Practically, no. Chaste cohabitors represent .001% of the cohabiting population (my statistics). IOW, they're statistically insignificant.
But cohabitation is a public scandal. And that's reason enough not to engage in it.
3) Does it still count if its a relatively short period of time (day before marraige, one week after engagement)?
Yes, because cohabitation is a public scandal. One doesn't have to be a Christian to understand the importance of bad example.
You live in a state which lets dudes marry each other. Are you really going to tell me with a straight face that most people there find opposite-sex couples living together "scandalous"?
Ah thank you. A very informative post.