Barry, there is an important difference in our sitches and potential S agreement. H and I will be going through full financial disclosure process, consider overall financial picture, agree 'fair' settlement of finances before (hopefully) signing agreement.
Whilst I wouldn't be too keen to rush into D, I think there are more risks with your sitch that your W could make a future claim against you. Whilst she feels happy to walk away with £10k now, what will she feel in a year's time? Presumably she would get some L advice before signing agreement. Is L likely to advise W this isn't a good settlement for her?
In our case, I feel the risk of a future claim from H will be small as we will have gone through 'due process' to divide our finances. I worry that for you (if you haven't done that and W accepts a 'poor deal') the risks will be greater.
Sorry to throw a spanner in the works, but I thought it was important to mention this...
T 13 M 7 Me 48 H 46 SS 15 BD 7.14 PA D final 5.16 (H filed)
We receive & we lose, and must try to achieve gratitude & embrace with whole hearts whatever of life that remains after the losses - Dubus