If the Queen choses not to style H&M's baby with the title of Prince/Princess & they have other baby(s) after Charles becomes King the subsequent baby(s) would be entitled to that title which would not be cool IMO. So I imagine H&M would refuse Prince/Princess for all their children.
All of Prince Harry's offspring are entitled to be styled Prince/Princess upon their grandfather's (Prince Charles') accession to the throne. That is unless (Letters Patent) LP are specifically issued to change the way that ruling currently stands. LP were issued prior to the birth of Prince William's first child allowing for his offspring to be styled as Prince/Princess at birth, and allowing for any female child of the Cambridges to be in line for the throne ahead of any subsequently born male siblings.
Therefore, unless LP are issued prior to the birth of M&H's firstborn stating otherwise, he/she will be styled Lord/Lady as a matter of course, and nothing further may be said about it until Prince Charles accedes to the throne. And even then, no issue may be made re changing titles at that point. We simply don't know until we find out. But it's helpful to understand the royal rules that are currently in place.
I would be surprised if M&H are at all concerned about their children necessarily having to be styled as Prince/Princess.

Harry struggled with bearing the title. Princess Anne did not want her children to be burdened with any titles whatsoever. Or perhaps it was just that she didn't want her first husband to be titled.

Who knows.

BTW, even the Cambridges are fully cognizant of the burden inherent with a young child being saddled with a princely title. Prince George is simply known as George Cambridge at school, for a reason.
I sincerely doubt that she was pregnant at her wedding but I'll bet all the old crones will be counting.

Not even close. Meghan is speculated to be around 12 weeks pregnant, give or take a week or so, eh. That's nowhere close to her having conceived before the wedding. She would have been showing a lot way before now.
Also, that ruffled dress from a few weeks ago didn't help things either.
I now think that dress was strategically ruffled on purpose.

If Meghan were not a member of the British royal family, she would be sharing at least some of the details with her fans on her Tig and Instagram.

Understandably, both William and Harry are hypersensitive regarding the media and seem determined to protectively guard every aspect of their personal lives, almost to a fault. But I guess, who could blame them.