But wait, does she have a son? Just curious - you said vacation with her S?
You sound a lot like me, too, but you are even more articulate about your feelings, and it actually helps me get clearer about mine. I'm supposed to be working right now so I'll keep this brief:
Do deal with your financial stuff/career stuff. You must. No matter what. What's gone is gone (time focusing on her career or moving about). It is freeing to just be your own person in that way.
Her "authentic" way of being right now may not be yours. What's "authentic" to you may not be to her - but I do know what you mean.
And you have to move on regardless of whether things are possible or probable. No one can know right now and you can only take care of you.
I want to know what the HECK BF is going to do this fall. I have a kid with him for godsakes, but I'm moving along AS IF he will be gone. I cannot rely on him for much. Can he come back around? Sure. Will he? Who knows. At this point, I'm letting go of that thread to that hope or possibility or even probability - nothing much can really depend on him right now.