[kazana]

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Then there is the question of approaching the subject...how to do this without sounding like an arse or getting a slap?

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Just treat your gf as a responsible, mature grown up. If she's going ballistic because of a display of common sense, I'd reconsider marriage.

A prenup isn't about assuring that you don't have to pay a dime in case of a divorce, it's about protecting both parties and to lay out some fair "rules of conduct" in the case of a divorce. A good prenup doesn't state that you won't ever pay a cent, it assures that both will be treated and compensated (if necessary) in a fair manner.