I have never had ANY problem with someone being on the deed but not on the loan.
I see no advantage to having someone on a loan if their income is not needed to qualify.
The lower borrower’s credit score is used, not the highest. Having a spouse on a loan can end up costing a bunch of extra money.

If you are on a loan, then you must be on the deed.
Being on the loan is financial responsibility.
Being on the deed is ownership.

A spouse not on the loan will need to sign a few documents. Properties can be transferred in and out of trusts regardless of who is on the loan.

A foreclosure will only affect the person who is on the loan, not all who are on the deed.
*Consult your attorney for legal advice*