I'm with Cadence. I think there are a lot of unknowns here. Why not resolve the financial stuff and listen to what he has to say. Maybe it's just me, but the unknown bad I can imagine is usually worse than the bad I know about.
I've read a lot of return stories (and I'm not saying that is what this is) on this and a lot of other sites. Often they make a big push for the end before trying to start over. I think they believe so strongly that they will be rejected that they can't bring themselves to ask to come back.
In my recent long conversation with my H the way he asked "you don't ever see us getting back together again" really felt like he thought there was no way I would consent to it and had written it off as a possibility. I also sometimes feel like the push to move near him is another way of checking whether I am open to that. Because I believe his town and his job are a big part of his issues, that answer for me will remain no.
Why not come to terms on the financial stuff and then sit down face to face and hear what he has to say. You could always leave some openings without making yourself feel too vulnerable. Things like if I had it to do over again I would do things differently, I've owned up to the problems I brought to the marriage, I've been working a lot on self-improvement, etc.
Don't be so doom and gloom. Either you get it wrapped up, which is a good way to work on ending the pain, or maybe you hear something you weren't expecting. Either way you move forward and save yourself an expensive litigation process.
