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she's opted to keep her last name for the time being, she did not realize that when she was signing the marriage certificate, it was a simple check box to get the ball rolling.
She still would have had to submit to the SSI and other groups in order to get her name changed.
If we have children she will take my name for ease of schooling since the children will carry my last name.
IMHO there has been only little issue with us having different last names, which we've navigated quite easily from hospital issues (staying with your spouse vs. girl/boyfriend not allowed) to travel related issues (different names on hotel rooms can be challenging for different arrival times)
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