Joint-All vs Joint-Alternate Account for Savings

28M, about to get married in a few months time. We both work 9-5 jobs. I intend to open a joint account for our savings (holiday, children related, NOT for monthly bills). Tbh i am leaning towards Joint-All since this is savings and it will store perhaps increasing amount of money overtime, but interested to hear the cons of these. Glad to hear issues from practicality POV. How deep do we need spouse's approval, can one of us withdraw money from the ATM for a joint-all account (sorry for my inexperience) ?

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For example, to require spouse approval to pay big ticket items is okay. That ensures transparency and agreement. But it will be counterproductive for small & trivial one (e.g., angpao for CNY lets say).