If we have 3 iPhones, and use the same iTunes for all content, should we use 3 Apple IDs and authorize for all 3 or just use 1 ID?

I want to enable us to share all apps, music, videos and photos, but enable each phone to keep its contacts and history separate. If I use 1 ID, all new purchases will go on the same credit card, which I'm not sure is ideal, but not horrible. Since we use the same computer and iTunes using only 1 appleID, and the phones are new to the equation since it was only iPods before, what is the best way to handle a family with 3 phones that can share all entertainment content, but not all phone-related stuff? I saw that you can use one AppleID for purchases, but another for iCloud. That may be the best solution, but I don't know enough about this yet to move forward yet- migrating from Android...
Appreciate the help.

Thanks for the help, but a follow up question now.
My iPhone won't arrive for a little while, but my wife already got hers and she wants to set it up now. Using my Apple ID for the purchases, if she starts setting hers up, can she change her iCloud ID to something else quickly? It keeps telling us that we have to sign in with the AppleID first.
Should we just set up an iCloud account via normal internet before trying all this via iPhone?

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