I read about van tinteren - scary. That and the "Trouble in DR" post would scare anyone.
There are certain things you can do to protect yourself financially. A co-hab agreement ( the DR version) can be drawn up and signed by both partners to protect their interests. If she is willing to sign one, it may be a good litmus test of her intent. As a gringo, you have limited legal recourse if the relationship goes bad and you have assets in the DR. House, bank accounts, vehicles, etc. She will have the right to a large percentage of those assets even if she doesn’t marry you and only lives with you a short time. Legal fees can be very expensive trying to extricate yourself from a messy separation. She is a Dominican and automatically has more rights than you.
Be very aware that your relationship with her is not limited to her. You marry her and her extended family. If a family member needs expensive medical services, you will be expected to contribute to the cost. You will be perceived as a rich gringo by a lot of people.
I’m a retired Canadian who has spent a lot of time in the DR during the winters and I’ve had three short term relationships with DR ladies. One was a professional, a doctor in Santo Domingo. All ended because of demands for money. I bowed out gracefully each time and remain on good terms with all of them.
My advice to you is take baby steps. Spend a lot of time with her before you commit to moving down permanently. Meet her extended family and spend time with them. Stretching your retirement dollars in the DR may be a myth. Living in the DR has become expensive. Things like electricity, gasoline, vehicles, private medical insurance are becoming more expensive yearly.
if you do want to retire in the DR and your relationship with her ends, there are lots of expat ladies to meet and have relationships with. Ladies with very few complications and financially independent. Ladies who have had or don’t want children. Rarely will you meet a young DR lady who doesn’t have or doesn’t want children. The fact that you can retire leads me to believe your not a young man. Ask yourself if you want to take on a ready made family at your age or if you want to raise young children. Good on you if you do but a lot of older men don’t.
Good luck in your new relationship and I hope it’s smooth sailing for you and your DR partner. You shouldn’t burn your links to the US until the relationship is well established and your totally comfortable living in the DR full time. Rent first, don’t buy immediately.
if you reach the point where you want residency, pensioner residency is one of the easiest, less expensive residencies to obtain. You will need residency of some form to stay longer than three months.