DF, I'm in a similar sitch as you. I moved out the weekend before last to appease my W. I did all the apt searching myself, but I did show W some of the places I looked at. In the end I chose a place that worked for me (cheap, nearby, 6 month lease) and let her know when I signed the lease.
I think your sitch may be a little different in that you have kids together (my assumption). In my case, my kids are with 1st W, and the S helps in that W has a hard time with my S14.
W and I had similar discussions as yours, worries about paying bills, taking care of house, dividing things, etc.
In some ways, other than maybe your kids, I think it's easier once you've moved into an apt. More of my energy has been spent on making apt a home, time to myself, GAL. Also know that when we were S last fall (taking turns staying at my MIL) we were starting to reconcile which all fell apart after I (unilaterally) moved back in. Point being: don't rush back! Use this as a time for your own growth.
Me 43 W 38 M 5 T 7 SD20 S15, S13 with 1st W ILYBNILWY June 2010 Separation/Bomb July 2010 Divorce Feb 8, 2011