Key - IMO only needed if your living together part or full time
Joint bank account - IMO only if you are settled down living together and pretty much common law husband/wife already
The real biggy is when the 'do you want kids' question comes up, this is the all or nothing, make or break moment
My answer which I though reasonable at the time was 'yes but only after living happily together for at least a year, dont ever want to be a weekend dad or CSA slave', apparently this was the wrong answer for her, she wanted kids sooner and without commitment, I still stand by my reasoning, but also wonder 'what if' since this reasoning cost me the only women I ever even considered the kids question with.
Source: http://www.partyvibe.com/forums/love-sex-relationships/54249-why-do-girls-always-want.html
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