We did ours via post, with not a huge amount of documentation as I recall. Can't recall what we actually sent though. I have a feeling we followed the check list at the back of the form.
Got it back within 4 weeks (April 2008) - which was a real shock.
You have to ask yourself on each visa - what is the government looking for?
Example: a visitor visa they are looking for the fact you are a visitor, you are going to return and can support yourself while you're here.
In the case of FLR(M) following a fiancee visa they are looking to ensure you are legally married and can support yourselves without being a burden on the state.
Visas do create a lot of headaches and requirements - but once you understand what the Home Office is looking for and you meet the requirements (which apparently you do) - you just have to be able to prove it to them. Information and understanding are key - but that doesn't mean there's anything to be scared of (although - I understand - I was very scared at all our applications!)
Have a read through the policy on it - it's section 284 - yes - it's long and boring - but it's worth it.
http://www.ukba.homeoffice.gov.uk/polic ... _partners/
M.