Financial incompatibility is one of the major reason for a divorce. You thinking this through is a really smart thing. Donβt listen to people who say otherwise. I have seen major issues cropping up later down in the line because people donβt think through.
You would have been absolutely wrong if you expected even a part of the house to be in your name. But you want it in her name and potential future kids which is an absolute fair ask.
You both seem quite incompatible financially. I would rethink about the relationship if I were you.