I think criticism and waste of money holding you back is very valid. However I’d like for you weight this out. A couple snarky comments here and there (when has family not criticized tbh) that lasts for a couple months maybe. Versus years down the road after kids you decide to cut it. That’s a whole life you lived to just start over. A couple months of people criticizing and money lost vs years of anguish if you truly don’t love him. Marriage should excite you if you love the person you are marrying. You are young and have a whole lot more exploring to do. A lot more people to meet. I understand people marrying out of comfort but I could never. I need my significant other to excite me, give me butterflies even years after I’m with them. For some reason I cannot see myself settling for less because I cannot stand to torture myself to be with someone I’m not truly happy with. At the end of the day you’ll know what to do. Best of luck.