We just share one account. All our finances are combined so for if it's no problem having access to each others' passwords and such. So all of our stuff is in a single place and we can both access it. You can store CCs on Bitwarden, too, and that's so useful for when I need to use up Biz plat credits and split payments, chat to get him a retention offer, etc. Don't need to have his card physically with me since that info is saved on Bitwarden.
ETA: forgot the second question. We have the free version. There's no ads or anything like that. But now I'm thinking for doing the $10 yearly to support the developers more and I guess the emergency access is good to have.