Thanks Gardener and Gnosis. I don't enjoy these discussions, but they are becoming second nature to me. I don't worry about her reaction (what's the worst that will happen? that she D's me?).
I have accepted that she thinks it is "normal" (no, really that she EXPECTS)for us to be best friends after a D I don't agree with that will have the effect of splitting up our family and depleting our finances. While I have accepted this, I will NEVER understand it. So, I won't try any more. It just IS.