KD,
If your gut says you aren't ready, then don't do it.

I think 'I am not prepared to have combined parties' is all you really need to say. It doesn't preclude you from future joint parties or say too much.

Hang in there, we all have your back!

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