No, I cant get a legal settlement without a divorce. You have to file, there is no legal separation in my state. Once you file, it moves along pretty quickly. You have to do things by certain dates as they dont want to jam up the court system.
Once you start, there is no real turning back. Thats the scary part. H cant stall - neither can I.
If you truly feel like you cant do this anymore, then dont. There is nothing wrong with feeling like enough is enough.
The important thing here is to take care of you. Move forward and make a life for yourself. Do what you must to make yourself happy and financially secure, if you can.