I was just stopping by to say Merry Xmas, but read up on whats been going on.
Stick to your guns, you have earned the right to be firm at this point and set some boundaries of acceptability for yourself. You have already played the yoyo game with her and have a right to feel more secure before you make any financial decisions. She put you in that position my friend, not you.
If I were you I might sit down and try and figure out what reconciliation looks like to you. Figure out what you need to feel more solid and comfortable that things are truly coming back together. Have her do the same and maybe sit down and go over your lists and see what each of you need tp feel comfortable moving ahead in this.
I have a huge amount of hope for you my friend, I believe your W does love you and want this to work out, but may not have any clue how to actually make that happen. Be strong and have a little faith dude. I think 2008 is going to be a great year for you.