I agree with @Sukie it won't make sense to refinance etc to add spouse's name.
However, adding name on utility bills doesn't cost anything. It's easy to do and will provide benefits such as proving address for Real ID, or proving residence for N-400 if questions arise. DL on it own may not carry the day. I don't see any downsides adding name tomorrow on utility bills. If you're sick in hospital, or pass away, surviving spouse will have easier time managing all bills. So many reasons to do it if you share life together.