We use household NW. Almost all expenses/ $ are blended, Savings/ ckng all in both names along with main CCs. Our paid for house deed is in both names, cars- who cares (indiv names on 13+ yo vehicles both in great condition). I snatched my pension from retired job & converted into a 100% joint annuity (100% to both), and for my IRA, it remains in my name but DH gets it all if I go first. We have a "gentle/woman's agreement for new will from the one who lives the longest (split evenly betw. families).
We have friends who manage their finances separately, which just seems like too much work to us. DH handles the bills & I manage the investments. So much of both are automated, that there is very little need to do much on either side.