Well, it's always easier to side with the opinion when it's what you want to hear.
I guess you need to ask yourself if you would be satisfied with a woman who cannot handle or deal with finances or life problems.
All I am saying is you easily side with the opinion you like best (generally speaking). As a woman I will say again - if I made no effort towards somebody for nine months they wouldn't mean a darn thing to me unless I had financial ties with them. And if they did not do what I requested to end those ties (like your W did, sending you a separation agreement with the house stuff) I would not be all that happy. I wouldn't be pissed though by ignoring you at the gym and acting bitchy, I would just do what I had to do to get what I needed to end the ties. How surprised would you be if that happened (your W filing or seeking a formal separation agreement) once the house sold?
One year, two year... it sounds like there is little money to divide. I guess I have to ask again what does it matter? Maybe your W is tired of being a grown woman living with her parents and wants her part of the money. Just throwing things out there!