but I need to make some changes for that to even be possible.
Even she realizes she needs to make changes before things will work out for the two of you. However, based on what she said in the email, she isn't ready or doesn't want to make the changes now. She still has to work through her own sh't. Can you accept it?
I don't see her dating you, exclusively, b/c that requires some degree of commitment, doesn't it? She can't commit to you, period.
To me, the email sounds very much like her saying goodbye to you (as nicely as she can) for at least the next 6 months. Getting a lease and setting up accounts is her showing independence from you (partly, since she hasn't closed the joint account yet).
I know you are going to do whatever Tarheel wants to do, but I still say if you will stop putting emotional pressure on her, you will stand a better chance of her wanting the M back again.
It is not about what you feel should work in your M. It is about doing the work that gets the right results. Do what works!