Is it wise to break up?

I've been with my boyfriend for nearly 2.5 years. I am 32 and he is 30. We love one another tremendously, and get along wonderfully day-to-day. Unfortunately, as far as goals for future plans are concerned, we are not on the same page (I have them, he does not). When we initially got together, we never spoke of marriage or babies and just had a good time. Shortly after our first year together, I became pregnant (on accident while on the pill) and lost the baby at only 10 weeks. This accelerated my sudden desire to marry and have children, which I had never really thought of before. I half-expected my boyfriend to want to marry and try again soon after our loss, but no. I've been very clear with him about my desire to begin a life with him, including marriage and a home and children. He listens and agrees, but a year later, I still see no action what-so-ever. We do not live together, as I will not live with him without being married (personal choice only, I've no issue with anyone else that does this). This weekend we had a pretty deep conversation, and I finally got the nerve to ask "where do you see yourself in a year," hoping he would say married to me, in a home of our own. Unfortunately, he hesitated for a long while before saying he doesn't know. And that was it...I let him know I was done and that I refuse to continue to give myself to a man who isn't planning a future for us. I recently applied for a home loan and was approved on my own, so I feel as if I'm being held back by his lack of initiative and lack of goals for "us." He's a wonderful boyfriend...very affectionate and thoughtful, and I know that he loves me. I think marriage just spooks him. Unfortunately, my clock is ticking and we have no financial issues to keep us from starting a life together. Logically I know I've done right, but emotionally, I'm afraid I'm jumping the gun. What do you think?