Should I leave now, wait, or hope things change?

I'm 24M my partner is 24F. We've been together for almost a year. (2 weeks away). I love her but I'm not in love with her. I'm content but not happy. She brings me peace, but as I learn more about her the viability of a future marriage decreases.

We have had zero fights. I'm her first serious partner. I care for her deeply.

We live together. She is not financially stable right now but will be in a few months. She also owes me about 4200. (3450 down payment on her car, and 750 in late bills).

Right now the relationship is mutually beneficial, but I have extreme doubts about its viability. And I'm not happy.

The main reason I am only content is that she does not know or does not have the drive to communicate in my love languages. (Acts of service/ physical affection) and I don't like to "ask for flowers" when it comes to those things. I've talked to her about it a few times which is met with temporary effort/ improvement then back to the norm.

I am also religious and would like a religious partner. I assumed she was religious (due to a conservative lifestyle) but we didn't dive into it until recently and I discovered she has no faith in any deity which I require in a potential life partner.

Should I dip now, or wait until she is in a stable spot financially? I could also wait another 6 months to a year and hope she develops into what i need in partner, but that seems unlikely given its been a year. It's mutually beneficial rn and would be massively detrimental to her, and to a lesser extent myself if we broke. Another note. My mental health is unstable when going through any break up, so co-habitation during a break up is not good for me or the other at all. (I'm not physical, but I become toxic due to overthinking and heartache)

Any advice? The main reason I haven't made a decision yet is because she is a wonderful person, I don't want to hurt her, and she cannot support herself for a few more months. (Due to job situation)