I will say that I was dead-set against filing myself until I found out my STBXW was getting hit with a custody suit that could affect finances. At that point I felt I needed to go ahead and file to protect myself in case she wanted to go back our agreement for splitting debt. That said, once I committed to filing it was so freeing to me. It was like I have been able to really let go and that has helped my emotional well-being immensely. I can't say it would do the same for you, but just wanted to share what it did for me.
Me: 35 W: 32 MR: 2y T: 3.5y SS11 BD: 11/3/16 EA: 10/26/16 PA: 11/11/16 W asks for S/D & ILYBINILWY 11/13/16 Status: I moved out 11/19/16, GAL I filed for D: 12/14/16 D-day: 3/10/17