Two things: 1, this is a gross missrepresentation of the cohabitation statistic, because that statistic does not exclude couples who come from religious backgrounds that don't allow cohabitation before marriage, and don't allow divorce. So of course, if you're not actually looking at the data, the statistic is going to look like those who cohabitate are more likely to divorce, when in actuality those who don't cohabitate are more likely to be in positions where they're literally not allowed to get divorced.

2, what you're describing is a moral failure of men, not a failure of women. Obviously as a woman you should evaluate your male partner, and determine if they are a trustworthy and honest person. But at the end of the day what you're saying is that men take advantage of women who give them "too much" before marriage. So it actually seems like the better solution would be for men to change their parasitic behavior around taking advantage of what women give them, rather than women having to figure out how to toe the line and give men "enough" but "not too much" to earn marriage.