I can't tell you what to do, except protect yourself. I don't think you have to go into the lawyers to file.
Understand that lawyers mostly do just want to do a divorce. Maybe go into a lawyer and just ask for an hour our 2 to sort out all your questions. Have all your questions written out. You do pay them by the hour. That is why they want a big retainer. So confused you will use up lots of hours and they will get paid. Find a lawyer to just work by the hour until you make a decision. You don't have to tell your H that part.
Hope this helps.
Wendy
Me 57 XH 58 Sons age 32 & 27 M:32 D final 9/12 Bought 10 Acres and Living the Dream!