I don't want a D so I don't want to make it easier for W but on the other-hand it seems she does want a D and so I have to protect myself as much as possible before it's too late and risk losing the kids and home too.
To me, this is a no-brainer.
You ABSOLUTELY have to protect yourself and your relationship with your kids. At this moment, if waiting for your W to change course will put that in jeopardy, then you cant do it.
There is nothing that says that you cant get back together later. Even if you divorce.
But you can never get this TIME back with your kids. Please focus on what is best for them and for you.