Regarding the insurance once the D is final she should come off in my opinion. Not to send any message or to gauge a consequence but because it is just the reality the of sitch.
As far giving her what she wants in order to "maintain the peace" I find this useless.
It is not about caving in to her needs or imposing your own.
It is about doing the right thing you can deny her request without being an a$$ about it.
You both have rights
You both have needs
Right now you are not meeting each others needs and that is ok so stop expecting her to meet yours and do it yourself.
When I was in OK my XW talked about how her life was crap and she was so broke.
My heart breaks for her but there is nothing I can do about it.
We all make decisions in life, some good and some not so good.
It is time for Karma to live for Karma and allow W to live for herself. You will feel better about it as long as you do it with class and love.
Being available to W or treating her with love and kindness does not make you a doormat, giving in to all her demands because you fear losing her does.
You love her, does not mean you lay on the tracks and let the train run you over.
