I would split out all accounts too. If you are intending on paying the mortgage out of your own account then you should get the quit claim deed. If it is what I think it is (and they are called something different here) these protect you - it basically states your W is entitled to claim on her portion of the equity in the house as at the value of the house the date the quit claim takes effect. That way she is not entitled to any equity earned between the date on the deed and the date the house is sold or you buy her out. I assume you will need to get her to agree to this though.
Here the starting point is 50/50 on assets and debts irrespective of either parties contribution. You can, of course fight it out in court, but that would prolong the process. My personal view is, and I too contributed substantially more, that if it comes to that, I will just cut my loses in favor of maintaining an amicable D for the sake of the kids. Also, you support each other through those years because you have shared hopes and dreams. If I fought for a bigger chunk of the pie, it would feel to me that I am saying I regret those hopes and dreams. I do not - on the whole our M was a good one and, despite the pain of the last year, I do not regret our M at all. Things are different for you though - you do not have children together and you could choose never to see her again.
The right thing to do IMO is, if it comes to that, is to split 50/50 and wish her well on her journey. But that is me.
You asked earlier about whether you should respond to any information only text. I think you are probably past the hardcore Db'g stage where you need to detach, not just because doing otherwise would enable them to cake eat, but also to protect yourself. If your W was just another person you know casually, would you have responded to the text?
