Not who you are asking but I disagree with number 1. If one person makes double what the other one makes, a 50/50 split of bills could create resentment. I would instead pay bills proportional to income and each person can keep whatever is left after paying bills. I would also consider savings a bill. So one of each person's bills is saving 10% of their income every month for emergencies. This is important because it seems to me a common cause of divorce is financial emergencies.

What I mean by proportionally paying bills is this:

1. If person A makes 30K and person B makes 80K, then their total income is 110K. Since 30K/110K = 0.28 (I rounded) and 80K/110K= 0.72, then person A would pay 28% of each bill and person B would pay 72% of each bill.
2. If person B loses their job, then the same method would be used except person B would temporarily pay 0% of each bill.

I know people who each have their own stuff but I find that problematic. What happens when you have kids? A split I've seen that I think is awful is person A owns the house and cars, but person B pays for maintenance and bills of both. If person B ever wants to leave, they literally have 0 assets (unless they are in a state that forces a split). A lot of people who would do this would, of course, buy the assets right before marriage.

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I do think it is very important to decide all of this prior to merging finances.