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We hardly talk or spend any time together but we still have some basic consideration for each other.


I think something is missing here ^^^^^. You aren't suppose to talk and spend time together. You are separated, remember? Would you have been calling her if you were physically separated? IDK, maybe you would.....but IMHO, this is tough love. She is giving up all of your protection over her, so she can have affairs. Your part is not to rescue her. Just to be clear, I understand about you being anxious for her well being in the bad weather. Like I said, it is called tough love b/c it's hard.

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She knows that I'm home and worried about her driving in bad weather (with the assumption that she's had a few drinks), but she doesn't respect me enough to send a quick reply saying that she's ok.


Exactly!

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But clearly my W doesn't see it that way because there's no downside to the arrangement for her. She has the protection and stability of a married home life with the freedom of being single. Why would she ever want to move out? I HAVE GOT to set boundaries so that she feels the squeeze like I do.


Yep!


It is not about what you feel should work in your M. It is about doing the work that gets the right results. Do what works!