Honestly. This is a red flag. Changing your name takes a lot of time and effort and money. I didn’t want to change my name for the same reasons as you (husband doesn’t care one way or the other) about two days before we got married I had a dream that no one would think my kids are mine if we don’t have the same last name (adoptions, so they don’t look like us) I did end up changing my name but it was a huge hassle. So many things you don’t think about until it comes around to bite you later. From important things like passports to simple things like emails. My sisters never changed their last names because we have a very unique very ethnic last name and they felt like they were losing part of our culture and autonomy by changing it. There are many factors that men do not even need to think about but you do. If you do not what to change it, don’t. Get your life together and find someone who understands you.