Don't stress/worry about that for the moment.Cross that bridge when /IF it arises.

I would not be blunt. You can say no and you can leave it at that. Or say something to the effect that it is not a good idea or that you prefer not to, but as I said you don't need to explain yourself.

I'll admit I have not caught up on your thread in a while but when I get a chance I'll post again.

Congratulations on the renewed feelings of self worth. That is great. Keep going

R 25 years
M 14 years
S11 & S13
Working on it alone since Oct 2014
M in trouble a lot earlier (~2 years)
Feb 2016. 1st R chat in a yr.
Next R chat Aug'17
Still together