Wouldn't that be Tim Peterson, Jenny Smith, Tommy Peterson-Smith and Charlie Peterson-Smith?
Just kidding, but my point is that there are so many variables that a catch all solution may not be possible.
For the couples part, this might work:
{ MERGEFIELD First_Name } { IF { MERGEFIELD Spouse_First_Name } = "" "{ MERGEFIELD Last_Name }""{ IF { MERGEFIELD Spouse_Last_Name } = "" "and { MERGEFIELD Spouse_First_Name } { MERGEFIELD Last_Name }""{ MERGEFIELD Last_Name } and { MERGEFIELD Spouse_First_Name } { MERGEFIELD Spouse_Last_Name }" }" }
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