Whether to use joint or separate accounts afer marriage
It is a good option to keep your accounts separate even after your marriage. If you keep separate accounts, it will be easier for you to track your specific savings goals. Moreover, your spouse's creditors won't be able to garnish your account if he or she is unable to pay off the debts on time.
It is always prudent to keep your own accounts with your own credit history. If you were to close your accounts, your credit will suffer. You may wish to stop using a few of them, but don't close them. Should you open a joint account be aware that if the account defaults you will be responsible. Vice versa - if you default on yours, your husband would not be liable.
You might consider opening one account jointly, if his credit is good.
I think it is better to have both joint and single accounts instead of having only separate or joint accounts.