tsharer,
You missed the point.
My point was that a frum couple who went to the chuppa without a civil marriage are certainly doing no worse than a secular couple living together with children, that never bothered to get married.
BTW My mesader, a Godol Yisroel (who sits on the Moetzes) never asked me if I got a civil marriage. (I did, as it happened to be.) It is mostly a non-issue to a “real” mesader, including the Gedolim.