The difference between a D and a separation agreement is that a D is an official legal ending of the marriage and therefore requires legal representation. Once its done its terms are final. Its expensive to do and the flexibility is limited. Some things cannot be addressed in that context.

A separation agreement need only be as formal as you want to make it, the scope can include whatever you want, and you can mutually agree to change it if it doesn't work out.

In a separation agreement you can stipulate that neither party will take the kids skydiving or riding on the back of a motorcycle. Divorce usually wouldn't cover that. You can cover financial arrangements etc. You can include your right to date other people, PDA in front of the kids etc or don't include that at all.

The point is that you're agreeing on some rules for how things will work while separated, that doesn't imply that you endorse anything he is doing.

Glad to hear he agreed about the family therapist -- I strongly suggest you make the selection and meet with them yourself first to ensure you're on board with what they will recommend.

Accuray

Married 18, Together 20, Now Divorced
M: 48, W: 50, D: 18, S: 16, D: 12
Bomb Dropped (EA, D): 7/13/11
Start Reconcile: 8/15/11
Bomb Dropped (EA, D): 5/1/2014 (Divorced)
In a New Relationship: 3/2015