Do you use your maiden name on the baby’s birth certificate regardless of marital status?

My future MIL believes we should get married before the baby is born so that our daughter sees me with her fathers last name. She believes it will “upset her” if she notices her parents weren’t married before having her *eye roll*. I understand she’s old fashioned but I find that excuse to be ridiculous. We want to have a nice beach wedding in Florida and right now that’s not practical, we are saving our money for our newborn. She insists we just get cheap bands and go to the court house. No thanks.