I’m also curious about the answers to your questions. I have similar concerns. I make more than my H, and currently he is out of work and is living in our vacation home. I pay all the bills and take care of our business. I’m also contemplating to set up separate account and ask him to contribute his portion to pay the bills, including the health insurance. But, I have the same concern about DBing.
M:50 H:52 S28 (my S from previous marriage) M:17 + 3 BD: 06/12 S: 06/12 - H works in another state