KGirl - post-move

[KGirl]

I recall you mentioning you are crafty and creative so you'd probably like it!

I've run into a dilemma as I ponder purchasing a car and could use some advice on how to approach H about it...
I live in a community property state, so H can technically be held responsible for any car loan I take out while we are still M, even if I'm the sole applicant. This didn't occur to me until I started looking into credit pre-approval and one of the first questions they ask is your marital status, and then I remembered the whole "your debt is mine" thing. If I take out a loan they by law are supposed to notify H that I've done so since he's liable. I'm thinking that a surprise notice from a lender saying I took out thousands of dollars in debt is not a great way to go, and that I should inform him of my plans first. My question is, what's the best way to do it? I want to make it clear that I will take full responsibility for the loan but out of courtesy wanted to give him a head's up. I don't want it to seem like I'm asking him for permission because I don't need to. However, I'm worried that by informing him of my plans, it might intice him to take some sort of D action to protect himself from my debt. I would hope he'd be reasonable and recognize that we can assign that debt to me upon D and that will be that (not to mention that the only reason I'm even getting a car is because we are S, otherwise we'd be sharing his car.) This is what I was thinking of emailing so far:

"H,

I'm looking into buying a car and would need to take out a loan to do so. I wanted to give you a head's up on my plans since they'll likely notify you when I take out a loan. I won't be listing you as a cosigner/coapplicant and regardless of what happens will be taking full responsibility for the loan."

Too much info? Not enough info? Should I be asking his opinion? Should I clarify that he will be also liable for the loan or leave him to figure that out on his own? He has mentioned the fact that we'll be under community property law but I don't know that he'll connect that w/ the implications of the car loan.

I did think about just waiting until this is resolved to buy a car but... who knows how long that will be?? I'm borrowing a car from my parents right now that I'd like to not be driving by winter since it's in rough shape. Also, if he does file for D no parties can take out any debt during the waiting period, and the waiting period is 4+ months, so there's good reason for me to not wait around to make this purchase. Thoughts appreciated about broaching this with him, not about the legal part because I know this isn't the place for that! I don't want to make any implications about D or reconciling in the e-mail, I want to be as neutral as possible.