I also worry about her really sticking it to me if it comes to a divorce. I'm getting way to far ahead of myself. That's just what was in my mind at the moment.
I wouldn't worry too much about D right now, but it's probably a good idea to at least have an initial consultation with an attorney of your choosing. I wouldn't tell your W about it, just do it, and get some information. It can be scary stuff but better to know and be prepared about the process than get blindsided later. There may be things that you should be doing now to protect yourself, and much better to get a plan in place before it's too late.
All that being said, you may be months or years away from D, or it may never happen. My WW was all for it, and we both saw an attorney just a few weeks after BD. I asked her point blank if that's what she really wanted. Without even hesitating, her answer was a solid "Yes". Since then, it's been another 3 months and no more talk about D from either of us. I've decided I'm holding off for now, but I am keeping detailed logs of time that each of us spends with the kids, just to protect myself in a custody battle. I think that we are both waiting for the other person to pull the trigger. It's hard to say; I know my W is strapped for money and if she had the cash right now, would prob go ahead and file. I'll eventually reach a breaking point myself some time next year and do it regardless.
But my point is to not get ahead of yourself. Take precautions but don't sit around stressing about what might happen.
Me 47 W 42 T 24 yrs M 18 yrs W living with OM BD1: 3/7/2015 (A with OM#1) BD2: 4/11/2015 (A with OM#2, W moves out) WW filed for D, papers received 9/18/2015. Meeting to determine child custody 9/29/2015.