No one system will fit everyone, because individual needs, values, skills, interests, attitudes and personalities differ. Work out a plan that feels right for you. And, if the first plan you draw up doesn't work, change it until it fits your situation. Both have advantages and disadvantages. On the minus side, there can be problems when one signer dies or leaves the other.
Separate accounts can have general advantages.
Another advantage is that the money is clearly in the name of one partner. Should the marriage end, neither spouse would have to worry that the other might withdraw the money. A disadvantage with separate accounts is that the more accounts you have, the more paper-work, time and service charges are involved. Although there are only two basic types of accounts, there are many ways to put them together. The remainder can be saved or spent as each sees fit.