You are right.
I might be incorrect.
I also mentioned I was basing it on an assumption that might be incorrect.
I stand by my paranoia though - that spouse that didn't receive the windfall should have a backup plan to support themselves in case something happens. I've seen friends who were SAHMs who were completely blindsided when the marriage collapsed and they had to support themselves after a big gap in work history. My mindset has been shaped by witnessing this.
Agreed. Many marriages do end in divorce and at age 29 the OP doesn't have an insignificant chance of it happening to him. Even in community property states like CA inheritances are separate property unless commingled so I second the observation of figuring this out and understanding any risks or implications on the OP's long term plans. Hope for the best plan for the worst kind of thing...