For some reason this topic really bugs me. Having a live in boyfriend who can come and go as he pleases and having a husband that you're connected to "Forever" is a completely different thing. Dh and I lived together before we got married and even then it was completely different after we said our vows.
I don't get it either. My mom and stepdad were together for 16yrs before they married and still never referred to each other as husband and wife. They truly embodied the whole 'it's just a piece of paper' thing. They knew they were together and were comfortable in that fact and didn't need to prove to anyone else by saying they were married when they weren't.
I hate when people do this. I am gay, but until I can get legally married to my partner that is all she is...my partner. Well until we get engaged. Then i will refer to her as my fiancée. But I never refer to her as my wife. Because she isn't. And neither am I hers. I think it is stupid. If you want your significant other to be your husband and/or wife then get married. Otherwise, all you are doing is playing some little elementary game.