You've entered into this with an adversarial mindset. In D things will be split pretty much equitably as far as assets, no matter how much you negotiate. I've seen it here many times and IRL, people spend 1000s on attys just to get $1000 moved to their side of the ledger. In most cases it's not the money, it's pride and wanting to teach the other a lesson.
Think of her as a business partner, what's your bottom line? When you remove the emotion and the sentiment and look at what you have as just assets, how much of it is worth spending more in atty's fees. You haven't been married long.
Please don't think I'm suggesting you give away the farm, but if you're going into bk, doesn't sound like you have a farm to give away. What was unreasonable about the original terms? Was it really the terms or the language? How it made you feel? It's all just words.
Even tho I didn't get D, I had to ask myself all these same questions. It's difficult but it's doable.
Me 57/H 58 M36 S 2.5yrs R 12/13
Let me give up the need to know why things happen as they do. I will never know and constant wondering is constant suffering. Caroline Myss