If OP is happy waiting for her BF, I don't think she would be here writing about it. There is no guarantee he'll marry her and have children if she waits either. What if he decides you aren't the one for him 2,3,4, 5 years from now? What commitment has he offered you to give you reason to wait other than, being his girlfriend? Three years is more than enough time to know where the relationship is going and to have goals and work towards them. If you haven't discussed engagement, marriage, children...a life together then you either need to have this discussion if you haven't already or move on.
I don't know why women feel they need to settle for less than what you want and have no standards (not you OP). Then we wonder why our "boyfriends" are not living up to our expectations. Love is only one aspect of a relationship and that alone won't cut it.
KiWiStyle
I'm not sure if this was in response to my post or not, but I didnt intend to imply the bolded. I have very high standards (professionally,financially, emotionally, and spiritually) not only for my husband but also for myself.( He has fulfilled all of them and I didn't waste time dating guys who didnt.), and I wouldn't expect less from any other woman. I said all of that to say, if OP is with a man three yrs her junior, she must have forseen this as a possibility and decided the relationship was worth it......at some point. Women already mature faster than men. If thereis no commitment and no love, then the answer is obvious. But there must be some feelings or value(not just love as you stated) of the relationship.