If it works for you, I’m not gonna knock it. You have trust in each other and a willingness to talk about it, and that’s about all anyone can ask.
There are an infinite number of ways couples can manage money. Personally, I can’t imagine trading financial responsibility for X in exchange for chore Y; it’d seem too much to me like I’d be making my wife my employee, which is a dynamic I’d prefer to avoid. Certainly it makes sense for you to do the chores, but instead of looking at it like a financial transaction, look at it like “We can spend more time with each other if we aren’t having to do them outside [your partner’s] work hours.”
I will say that I don’t view the down payment vs. payments/insurance or travel vs. b-day gifts to be unusual in the least.