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I like to focus on the positives :p Check out my newsletter as I covered these topics. Bascially if you don't own something you can't really control it - even though it may be you behind the scenes paying for things etc. Imagine everything is in the wife's name and then she becomes...

Don't forget to consider Death Incapacity Where properties you don't legally own could go, the effect of loans cashflow issues etc.

There is a general argument that a main residence by one spouse is really owned beneficially by both of them 50/50. ie the wife is trustee for the husband's 50%. This could be rebutted if the wife used her own money to buy the property, paid all the loan payments herself with her money and...

Yes, this is how I advise people to do things, generally. But don't assume they can't take the PPOR. This would depend on how things are structured who paid for things.