Simply saying she can delay or stop the D process at any point in time by saying "maybe we should re-think this". My assumption is she knows you don't want a D so you have left the door open. She also knows that you won't settle for living in a state of limbo.
The 401K reaction could be one of 101 different things going on in her mind. She didn't say let's hold off doing that cause we may still be married. Your kind of jumping to a conclusion and setting yourself up for a huge letdown.
I know your looking for that one moment (heck we all are) where this all changes but as far as I can tell that moment is a myth. Your M didn't turn on one event so neither will your reconciliation. Living with this in mind helps a little with the roller coaster.
_________________________ Me-41 W-39 M-15 yrs T-17 yrs D-12 S-9 S-8 B 5/08 S 1/09