Living in limbo and hating it

[Matrix]

W and I do not share anything financially. Everything we have is separate. If I were you, I would just pay the insurance again. If it is not big deal financially to you and you pay the whole year at once, I would just do it. No need to cause any big waves at this point. I would just text her when it's paid and say "The insurance came up for renewal and I paid it for the year. Just wanted to make sure that you knew"

I am not sure about the no filing part. I have many, many friends in real life that have gone through a D and none of them went through it this long. Not even close. Most were filed in under 3 months. I don't want to speculate too much on it, but it makes me think there is a reason for it. I think there must be some sort of doubts deep down. It might be doubts about their AP or doubts that they might not want to finalize it all. Lots of room to speculate. Maybe some others can chime in and give their opinions from what they have seen in their lives.

I agree about being plan B for now and not plan zero. I know that if we ever reconed, I would not remain plan B and would again become plan A or the recon would not work.