It seems you uncovered a lot of things that were not working in this stitch and have done a 180 on her. That's great.

I have a suggestion for you. You may want to move over to the Infidelity Forum. There, you will receive strong advice as well as great support. It will be step by step plans in "how-tos" in your stitch.

I believe that dropping her car insurance is great unless the car is in your name.

Could you put yours and W's ages as well as the kids at the bottom of your post?

It is not about what you feel should work in your M. It is about doing the work that gets the right results. Do what works!