I understand why you would just sign the D papers and let it go. Still, are you doing it because it's easy? Or trying to please her? Or just to close this chapter of your life... to move on...?
I don't know how long the two of you had been together. I would say that as you were M for only 3 months, if the two of you left what you brought with you to the relationship and split what you received as a M couple for the M, that would be about it.
Unfortunately, you received a horrible response when you contacted her and you have now received her ultimatum.
I would recommend that you take the time to work on yourself and get back on your feet. Learn from this, grow through this, become and even better person than you already were, and move forward.
It is hard not having closure, but you may never have that closure. It svcks, I know. You never know what amazing things are in store for you, in your future.
