If you are in America, it is much simpler to take your husbands name, especially if you might have children, because they will use his name most likely, and there is a lot more frustration when you have a different surname than your kids. I am not talking about it being right or wrong, just that there is more frustration. I have relatives and friends who have different names then their kids and they are asked to show documentation every so often, although rare, to prove they are the parent, when they never had that experience when everyone had the same name.
If you keep your maiden name, be prepared that many people will make the assumption you have your husbands name, so don’t get frustrated.
I personally think hyphenating is a bad idea. Most people don’t know how to file you. Say your name is Smith-Jones. Technically you go with the S’s since the hyphen makes your last name into one word so to speak, but many times you will get mixed in with the J’s and do you really want people to have to call you Ms. Smith-Jones. I prefer making your maiden name your middle name as some suggested above. I didn’t do that because my middle name had a special meaning to me, but in some instances it would have been convenient to have my maiden name on ID.
I changed my name, and I really like having the same name as my husband. We are the primary unit. My family, my parents and sister mean just as much to me as my husband, but my husband is the persn I live my life with day in and day out, and the name is kind of symbolic of that I guess. Sometimes I think new couples should create their own name for the new union, rather than taking on the man’s name.
However, I think there is nothing wrong with keeping your name. When I call distant relatives, and old friends I have no talked to in a long time I always use my maiden name, so they know who it is.
I say don’t change right away if you are undecided. When you change your name you have to change everything, it is not very difficult, but it is tedious.
If you change right away and want to change back, you will have to do it all twice. Plus, it is more difficult to go back I think. Not legally difficult, but I would think seems more odd and creates more questions from others.