If you haven't seen a L see one. It's awful and feels like another nail in the coffin but you need to think about you and your position. It's better to be informed now rather than getting a bolt out of the blue six months down the line.
As far as separate accounts etc I don't see anything wrong with that as long as your happy. Don't do it in expectation that she'll suddenly want you back. I need to move some direct debits to wife and sort our joint accounts before I leave. Not to shock her but because we seperating hence separate accounts and not paying for stuff I don't use anymore.
I would say don't do anything in haste just to try and shock your wife. I see many people on here and other sites slapping D in straight away. I don't see what the rush is. Step back. Breathe let the dust settle. Don't let your emotions make decisions for you.


Me:40 W:35
D:8
T:13 M:10
WAW: 7/14
PA Discovered: 1/15 at least 6 months
Moved out and moved on