She is not looking out for your or the children's best interests right now, and she will not appreciate you more for moving out - meaning, it won't save the M. You will shoot yourself in the foot if you move out. This is valuable time for you to remain in the same house and divorcebust.
So that is still my opinion.
Did you talk to a lawyer before you agreed to financial arrangements? Does your W have a L? Do you?
She is *feeling* things. Feelings change. Our feelings are influenced of how we interpret situations. It is usually not wise to make decisions based on feelings.
For instance right now, you are leaning towards feeling she is right because she's making you feel guilty. How would you feel if you found out she has a lover and just wants you out of the way so she can move him in? Would you feel differently? I bet you would...
M 16 yrs, WH62, P54 3 adult blended kids EA 11/13, BD1 6/14 PA fall 14, BD2 2/15 Piecing 2015, BD3 12/15 Separated 4/16 WH moved OW in 5/16 Divorced 6/15/17