I personally if I knew for a FACT that she was texting another man, I would have asked her to stop doing that in the marital home until she moved out.
You are right if she is the one that wonts to leave the marriage, then she should figure out where she is going to live moving forward.
Separate finances and such, the sooner the better so she gets a wake up call as to how its going to be as far as stability. again this is my opinion, waiting for the Vets to come and chime in.