Hi Neil, Welcome to the sep forum. It's not a nice place to be, but there are some great people here to help you along.
I'm not sure what your wife means by "proactive". In your state, is there a separation time period before you can divorce? That's the only thing I can think that she's thinking. Unless she's also trying to protect herself and the kids financially without having to get a divorce? That would be a good sign that she's not jumping straight to divorce.
Sorry your finding yourself here. I wish I could help more, but obviously I need to brush up on DR, because I did some major backsliding today. I guess we all do at some point.
Me 36 Husband 35 D5 S2 separated: 10/29/07-present Served divorce papers 1/22/09 "When the world gives out beneath your feet, it is time to learn how to fly."