are you planning to have childrens?

Personally I think if u plan to have children then it only makes more sense to marry, without children you actually don't need to unless you both really mutually compatible and you want to support the other half like to death etc.

But also take in the risk if she is old like above 35, it might be risky for her to bear a healthy child.

Being a human is about passing down your gene, any of us won't be here if back then our ancestors decided to YOLO and think not to let current generation suffer.. Speaking of suffer we all too strawberry to claim we suffer worse than our ancestor before Malaysia independent where there is war yet they still have like easily 10+ Child during that time.