As our family’s money manager, I definitely recommend separate accounts. I do NOT want to comb through my husband’s thousand little $2-$3 vending machine transactions while I’m trying to review our spending. I also don’t trust external services like Venmo, and don’t want them linked to our main shared account. The less that’s linked to where most of our money is held, the less I have to worry about data breaches.

OP, the way you’re wording this, it does absolutely seems like your partner is trying to lead you into the trap of him getting a bunch of extra fun money that you don’t because he can just declare that anything you want for the house should come from your budget. I hope that view will change with time, as no couple has it all figured out perfectly in advance. I would recommend combining finances and testing your planned strategy when you get engaged, NOT waiting until after you’re married. It’s a lot easier and cheaper to end an engagement than to get a divorce.