Evelyn Lozada -- Don't Call Me Mrs. Ochocinco ... Yet!

Chad Ochocinco may have pulled his engagement to Evelyn Lozada out of the fire, but she's still on the fence about taking his last name when they walk down the aisle.

Evelyn was out in LA this week, and fully over her cheating fears about Ocho, saying ... "*hit happens and we worked it out."

As for changing her name -- sounds like Evelyn still needs some convincing.