Yeah, the surgery analogy is a good one. Cut the damn leg off already!
You are so ready to move on, right? Accepting reality, this is how it is, the only choice now is how you will handle the things life has given you.
I know all that is cliched and all, but I use it everyday! Yup!"Damnit, I didn't want to be running this house all by myself!" "but you are, Aver, and so how will you handle it?"
Etc.
No idea why your STBXH is dragging this out? what's up with that? Just waiting for you to get more in your 401K? or what!