Your response should be "I'm really sorry you and your counselor feel that way. I disagree. I have decided that I haven't done anything wrong, and I'm not trying to end the marriage, so I'm not moving out. You're welcome to stay, of course, but if you're not comfortable, I understand -- you should go then."
Your analogy is much better than her IC's. A dysfunctional marriage SHOULD be torn down and rebuilt, but just from the FOUNDATION-UP.
