His hers ours accounts may have some helpful psychological effect, but they are a fiction. Like the lady says above, they are married! What is his is hers, what is hers is his. (Expecially that first part)
Also there is no such animal as a separate property state. Some years ago Mississippi was the last state to maintain ownership by title. I think that is long gone like the cuckoo bird. There are community property states, but that does not mean mean that other states are separate property states. Most or perhaps all of them use the principle of equitable division, which basically means the property is divided however the judge wants it divided. Even in community property jurisdictions, the community law can be overridden to produce a "more equitable result".
Hint, this will rarely or never be a result that will be welcomed by the gentleman partner. And in case you think that because you earned the higher salary you should get more, think again. This can just as easily be interpreted to mean that she sould get more, because you can easily earn more. Oh, you are retired? I am so sorry, but that is not a value we care about in family court!
I am afraid that Bell Barbara is 100% correct, it is almost certainly cheaper to let her buy whatever she wants, and to be damn nice about it too. You can cut back to make up any shortfall.
Ha