Lael, I think this is every woman's fear in our situations. I am so sorry you find yourself in this position after all this time. It's a shame Hopefloats isn't around on the BB right now as she has gone through this exact same thing with her H. She would be able to give you some advice based on experience rather than what we think we might do in your shoes.
Take care
Me 43 XH 45 M 2.7.88 Divorce 7.10.09 Kids D20,S17 & D15