I never said it was needed, I said marriage was the best way.
And if I named half a dozen examples, real life examples... people I know who weren't wealthy, where pre-marital assets were factored into the divorce, would you call me a liar, or would you take it into consideration? Would you expect me to ignore my own experience, breh?
I'm not calling you a liar. But you might want to go read up on the laws. Keep in mind that divorces are ugly, and any information you might get from a divorce will be ugly as well.
Here read this
What Assets Are Protected From Divorce Settlements? | eHow.com
I'm sure laws vary from state to state but this will give you a general idea.