Both joint and separate here.
All of my paycheck, except for $200, goes into the joint account. All of her paycheck, except for $200, goes into the joint account. That last $200 goes into our separate accounts. We pay all bills from our joint account. Any splurges, gifts, or other things that often cause fights amoungst married couples comes from our separate accounts.
If I want to blow $1000 on anything, that is fine, I just save up a few months. Anything at all, she can't complain (well except for if I spend it on other women, but that won't ever happen). Same with her.
The only real question is when there is a joint item that is mostly for one person. Like a new computer, is it for us or for her? So far, we've done those things through the joint account without any complaints.