Kitty,
Though I'm not a guy, thought I'd put my two cents in. I am thinking maybe it is a ring... (maybe that's just how we girls think). Anyway, I really like the idea of waiting it out, like Jared and Evilforce. People always told me I was a very mature 19, 20, 21 year old too, but you still do grow up a lot and learn a lot about people, so if you feel uncomfortable, don't be afraid to tell him you need more time. Maybe bring that up now, instead of the moment he is proposing. Anyway, just had to put that advice in since this is maybe the second most important decision of your life, the first being having left the JWs.
GG