I have not contacted soon-to-be-ex-wife at this point. I figure it is irrelevant. Her soon-to-be-ex-hubby is a dbag either way.
I agree about the finances. My income is the larger of the two, but we use her insurance. We can hammer out details on that.
UPDATE: Had our counseling session today. Wife was not very forthcoming about the latest developments. I didn't call MC ahead of time to keep him abreast of developments. So I ended up filling in the large gaps in the info she gave the MC (she said we had agreed to separate, she is in love with him, etc but no details on her escapades). Then she completely shut down-crying, head down, for 45 minutes. Couldn't even look up or talk.
We agreed to meet again in two weeks. I will see her tonight when I return from work and then Saturday at a school event for our oldest.
I'm staying on the path, worrying about me. I think it was a positive sign that my wife broke down, actually, but I'm not going to change my approach or get hopeful and start crapping sunshine. Perhaps she is finally accessing all the shame and guilt. Perhaps not. Who knows.