As for the separation, I have no choice. I don't want it, but what can I do?
Say that you dont want one any more, and stop helping her with one.
(yeah yeah, i know you say that you're "ready for it", but it sounds like you mentally know that it isnt a good idea. So, "want" is a statement of your rational "wants" in this case)
you cant stop her from moving out. but YOU dont have to help.
If SHE wants to move out, then let HER find an apartment for HER to live in. None of this "swapping time in the house" nonsense.
Then it's really her choice, instead of a "joint agreement to separate".
My current status: june 2006. Wife ran out and filed D. Finalized Jan 11, 2010, after 12.5 years M. 3 wonderful sons caught in the middle