I haven’t changed my surname but DH and I still get cards addressed to Mr and Mrs H Cavill*. Pisses me right off. Apparently I don’t even warrant my own initial now I’m somebody’s wife, much less my own surname!
The mode I tend to use is-
Married with same name, no DC- card addressed to Mr A and Mrs B Smith.
Married, same name, with DC- The Smith Family. Unless the card or invitation does not include the DC in which case use the first option.
Married, different names- Mr A Smith and Ms B Jones.
Married, different names, with kids, as above with “and family” on the end.
Sometimes if the recipient we know better is the wife I might even put Mrs B and Mr A Smith, or Ms B Jones and Mr A Smith- why should the man always go first?
*obviously I’m not actually married to Henry Cavill. Suspect I wouldn’t mind people getting name wrong nearly as much if I was 