H and I lived together and still "waited".
After undergrad, we couldn't afford to really live apart, so we shared a house; at first with 2 other grad students, and then when they got married we moved into a 2 bedroom apartment. We had separate rooms. We still waited because that was a faith based moral decision for us. It didn't matter what the pearl clutchers thought, it was between us and God whether we did the deed or not. We also didn't sleep in each other's beds. I think that was just for boundaries, but it seems silly now. (although when H doesn't clip his toenails I miss my own bed).
I don't think anyone else is going to hell or making Jesus cry by moving in or not waiting, that's just our personal decision.
Also, I may not have taken the car for a test drive, but I got a REAL good look under the hood. At least twice a week. I would not recommend marrying someone you have never seen naked.
and there you are, flame away.
Dear Rain,
Not Today.
Sincerely, My Parade