You ARE making needed changes. It isn't too late. Where you need to be emotionally is at the place where you realize that you REALLY WILL be fine without her. That maybe, just maybe SHE waited too long and that you not only don't need what she is offering, but realize you CAN DO BETTER and WILL....
Of course... It is all about the way you look at things. You can either pout and whine and wonder why or why not or you can take charge (which is what attracts them back) and keep doing what you are doing and come across to her as a happy, confident, secure, non pressuring man... that has a WHOLE LOT TO OFFER... (either her or someone else)...
You never say those things to her of course, but do not worry.... She WILL notice and she IS watching and observing you. Trust me..
Remember.. YOU are Her high school sweetheart too...
There is the "physical divorce" and there is the "emotional divorce"...
She may be thinking about the physical divorce, but I can guarantee you the only thing that is going to allow her to think long and hard about the emotional one is when she comes to the place that she isn't so sure what YOU want...
That is why you just keep doing what you are doing..
Let HER come to you...
If you keep playing this correctly... She WILL come to you sooner or later.... Maybe SHE will be saying.... I hope it isn't too little too late...
Don't underestimate yourself... Confidence rules... (golf as well as relationships)
The key here is to stop worrying about the "what if's"..
You said it yourself... "it is what it is"... I like that one. It is one I am sure men understand.. It is what it is.... No biggie... You can handle it.....Busy men who are going somewhere with their life don't have much time to worry about what if's..