Sorry to hear about your sitch, Upgrade. There will be many difficult weeks and months ahead for you, so first things first: take care of yourself. Go to the gym often, eat well, hang out with friends, read books, and find ways to get your mind off your W.
Secondly, there is a good chance your W is having an affair. When I read your post, this was a huge red flag:
"She brought up the D yesterday and talked requested that I begin splitting up our cellphone account, bank accounts, etc."
WAS's who are having affairs almost always want their own cellphone accounts because they have been calling and texting an OM/OW like crazy and want to cover their tracks. I took one look at my WAW's phone bill (after she requested that I put the account in her name) and I knew that she was having an affair.
If she is having an affair, you need to detach and focus solely on you. Pursuing her will only drive her further and further away. Whether or not you snoop and find out for sure if she is having an affair is up to you. I tend to be in favor of exposing affairs, but other people aren't.
I don't have kids with my WAW either, and yet here I am, still fighting. I won't fight forever, but I'm giving it all I have for the next few months. Who knows, my W may come around. But if there's one thing I've learned it's that NOTHING I do or say will bring my W back. She needs to make that journey on her own. All I can do is worry about myself.
Me: 33 WAW/MLC: 33 M: 4+, T: 10+ Separated: Nov 08 A#1: Oct 08 - Jan 09 (exposed and ended) A#2: Feb 09 - ? 1: http://tinyurl.com/mrmistakes 2: http://tinyurl.com/ckch9t 3: http://tinyurl.com/stillwaters3