I can't think of any signs that the time is right.....but the most obvious sign to not do it would be if the relationship is unstable or has unresolved issues.
My story is of breaking all the rules and still having it turn out OK:
I moved in with my partner when we'd known each other 4 months. I had been separated from my ex-husband for about 5 months at the time. Worked out great - still together 21 years later. The worst parts of living together would have been sharing with two other flatmates early on....but it wasn't too bad. Of the good bits, most of all, we enjoy each other's company.
I moved into his house which he owned with his sisters (they didn't live there). We combined our incomes into a joint account because neither of us could be bothered with the whole discussion of who pays for what. He didn't care that he earned roughly double what I did. Eventually he and his sisters sold that house and my partner and I then bought a property together.
With the housework, both of us just did what needed doing. He's naturally a tidy person who doesn't notice a dirty toilet. I am the cleaner who doesn't care if I'm tripping over shoes left around. Of course, he also cleaned and I tidied, but our natural inclinations did dictate a lot of who did what.
Never regret anything that has happened in your life. It cannot be changed, forgotten or undone. So, take it as a lesson learned and move on.