Sorry, I'm coming in part way through here, and chances are slim that I'd be able to catch up from the get-go, so my apologies if I'm rehashing things already considered and tossed aside.
Just wondering if it has been considered as a possibility, that the hubby could have lost it with his wife for whatever reason, in the heat of an unknown moment.. maybe bashed her skull/knocked her out/even perhaps mistakenly killed her, and then wanted to hide the crime, so went to lengths to dump her body to never be found - she would simply be a missing person when he arrived home that day.... BUT someone who cared deeply about the lady, surmised what happened, and so they took revenge on her killer.
I was thinking that perhaps the man's killer had wanted to dump his body too, but couldn't due to the sheer weight, and so took just his head... maybe the head is also in the same water body, also with concrete weights, but in his case, the head is light enough to remain forever immersed.
Someone posted just upthread that SS (Sheriff?) thinks the biggest mistake was that the wife's body surfaced. What if instead, the biggest mistake was that the man's head was cut off? ie what if............ it was someone close to the couple, who somehow discovered what the mister had done, freaked out, and killed the man... it could have been perhaps simple enough to make it appear that the mister had killed his wife, and then killed himself. But because his head was removed, that is no longer an option/explanation. Someone screwed up and gave away their hand by doing that with the head. This person also took measures to bide time before the deaths were noticed, by piling up towels to stop the blood from seeping out of the garage - why? Possible explanation would be to bide that person enough time to get back home, work on an alibi, calm down, etc.
To me, it is unthinkable as an explanation that these two very elderly people would have been murdered for no reason. If there was no theft, no missing monies, no sign of break-in, no mess inside the home, etc., then it seems to rule out robbery/home invasion; if there were no enemies, then it seems to rule out revenge; even if revenge, who is going to take those extra measures of submerging the woman's body and cutting off the man's head? (Nobody!)
If someone was to somehow benefit financially in a big enough way to make it worth it, it still doesn't explain the head, or why the one is in the lake while the other is in the garage, or the no forced entry, or the lack of a mess indicating a scuffle, or the towels, etc.
To me, a remaining possibility is the above scenario where possibly one spouse killed the other in a marital issue, with someone (who would have obviously cared enough about that death) taking revenge on the remaining spouse. That could potentially explain a lot - the reason why the bodies were handled differently, the reason for no sign of forced entry, the reason why SD was still clothed but yet hubby was in his pjs, the reason why the towels were needed to slow down the time of discovery, the reason why nothing financial has been found out of line, etc.
Is it known whether there were any phonecalls made to/from the home during the last day the couple was known to be alive? ie if there was a marital spat taking place and hubby was losing it, did SD try to contact someone to potentially help to diffuse the situation? Did they have cellphones or just the home's landline? How far away did each of their children live? Is it possible someone arrived to assist, but instead found that the woman was already gone?