Happy New Year, mermaid! Sounds like you are going thru quite a lot of changes, hopefully all will work out for the best.
Don't worry about filing. You can always do it if you feel it's time and you determine that it's something that will work for you. Meanwhile believe me, if H decides it's time to M OW, he will be motivated to file and you will be D in no time. At least that's what happened to me. So don't sweat it. As for its possibly being the "final" rip of the bandaid good luck w/ that. That piece of paper did not make things feel any more final for me (and I don't even have kids to share w/ him).
Good luck w/ the move, daycare, school and on the job front.
