Regarding the house- I already owned my home before we got married. We are in our 50s, and I had bought my house many years earlier. It would have been a financial hit to either refinance what’s left on my mortgage, or do a quit-claim gift.
We are 17 months into our ROC processing, but I’d be very surprised if they question that.
We have purchased vehicles jointly, own joint cash funds, and have the usual shared insurance/named beneficiaries etc.
I think we sent a smaller volume of stuff than most here, but for some reason I’m not especially worried. We’ve both been previously married, each have two adult children, husband is from very low fraud country. Maybe it will come back to bite me, who knows!