This is STILL my case, even though I am divorced. lol I find myself still hanging onto little things that keep us connected. Its getting better all the time, and I tell myself "What I am worried about, that he'll divorce me!?" In fact, he actually shows MORE respect towards me when I don't consider his feelings these days.
Let go when you can hopeful.
LMFAO at the insurance thing. I love it. Snarky is good in measured doses. Once, a long time back, I handed xH a soda. He looked at it, and said "You have a sip first, then I'll accept it".
Regarding chat/IM, I agree with Puppy. Ditch it and use the 'too much distraction' excuse. Perfect.