Why are you posting in Surviving the Big D? No one has filed or said they planned to file. You sound like a WAH who has given up, but who doesn't quite have the motivation to file. Passively letting your M fail is not what your kids deserve.
Your W hasn't filed yet. So, rather than blame her increased freedom (due to finances) for your forecasted D, look to yourself and the M itself. After all, we don't really want a spouse who stays in an M just for financial reasons anyway. Indeed, W being more free to leave the M financially can actually strengthen the M. If she stays, she will know it was more of a free choice.
The problems in your M are what have put and keep it on shaky grounds. Your current actions are doing nothing to build a stronger foundation.
I rarely suggest this, but given no one is walking out the door or filing for D, why not try Retrouvaille? It can't hurt. It is affordable. If you aren't filing for D, it makes no sense for yourself or your kids not to try to have a great M.