Hello, B-V2. I'm sorry you're here, but it sounds like you're making pretty good progress.
You can write the letter if you want, but absolutely do NOT give it to her. I've only been on the boards a few months, but I've seen bunches of letters handed to estranged spouses but never, ever, ever seen them do any good whatsoever.
Of course if one of the vets you named above disagrees, go with their opinion.
I don't want to comment on the financial transaction because that's beyond my scope. But I would like to say I recognize how painful and final that must feel. Just remember that our feelings are very changeable and only reflect the truth of how we react to the situation, not the truth in total. There's a reason for the saying "nothing is sure but death and taxes."
Me42, H40 D12, S8, S7 A revealed: 7/13 Sep 4/14; Agreed to D 1/15