Well, guilt plays a big part. I'm sure it had a lot to do with my exh's actions. I got all the furniture in the house because he felt so guilty.
I don't want to advise you on the money matter other than it might be good to talk to your solicitor about the implications. Primarily you have to look after you (and your children). Does it matter so much what his intentions are? Does it have a bearing on your decision?