I’m thankfully rid of soap. We had a few third-party services that still used it up to a couple of years ago.

Same. We have our own accounts as well as shared accounts. We both put the same amount into our shared accounts but also maintain the rest separately. Best of both worlds. No reason to agree about non-shared expenses. I watched my parents argue over money too many times to want that in my life. We don’t need to agree or share opinions on non-shared purchases.