I will not file because it is not in my interest to file and because I believe in the vows and the sacrament.
You should make the decision to file or not strictly on the finances at this point. Do whatever is best for your financial security.
I appreciate your religious vows, but I think you CAN keep those vows if you wish and still be legally divorced if that is what protects you better financially. The divorce is a financial legal thing, it doesn't have to be connected to the spiritual part.
It's a bit surprising that he hasn't filed if the current arrangement benefits you financially more than him; make sure you verify that this is the case.
