Only our personal spending money.
If we didn't separate it, we'd either have to:
Keep track of who spent what, so each person has enough.
Chance someone not leaving the other with enough.
I have a record & music equipment habit. She has a clothes & shoes habit. Someone would be pissed if they went for their fix & the money was gone. Regarding personal spending money, it matters.
I live by a budget...even for spending. So I would think that personal spending would be a regular amount each pay/month for both of you, that've you've agreed on and hopefully that amount covers things you both like to spend your money on and once it's gone it's gone until the next pay/month. I should also add that I agree a couple should have separate cards/accounts to place their spending money but that money should be dispersed AFTER the couple has agreed on a spending amount that works for them if that makes sense.
I really think the focus of a marriage should be growth...spirtual, emotional, physical and financial. I don't think you can grow financially together if you're doing your own thing money wise after bills are paid. The same way you can't grow in those other areas if you're doing your own thing and only coming together when necessary or convenient.
Oh and that's basically what you were saying, I think I didn't read throughly enough. My bad.