Short answer: never!
Premarital Counseling is an important step in solidifying your relationship because it often brings to light problems that you can tackle before the families are intertwined and there are potentially children in the mix. It will not create problems, but give them an arena to show themselves earlier than they otherwise would have.

You certainly have a difficult decision to make. But there are a few ways we can help. For one thing, we can go the traditional couples therapy route to help you ease any resentment and focus more on healthy communication.
If you’re unsure whether you want to stay in the relationship at all after what is uncovered, we can try discernment counseling, aimed at helping you decide whether to stay or go. We look at what needs to change in order to make the relationship work, and consider whether those changes align with each of your values.

There are plenty of couples out there who do just fine without it. However, couples who engage in some form of premarital counseling have a 30% higher chance of success in their marriage.

This question often comes from an assumption that needing counseling means something is wrong with your relationship. Premarital counseling doesn’t make that assumption. It actually assumes that you guys are already good, and are committed to keeping it that way for the long haul.