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@hoefla
You don't see it coming but it's foolish not to anticipate it to some degree.
We also didn't sign a jot but split everything 50/50 so it's fairly straightforward. Haven't lost a massive pile of money... yet. But the whole not signing anything does rather depend on continuing goodwill - if you or your partner are not the sort to stay on amicable terms with exes, get it done properly. For example otherwise you're both jointly and individually liable for the whole lot, ie. if your partner moves out and just decides to stop paying (especially if they paid little deposit) it's your problem.