If you remember, you and I were/are in similar financial situations. I have stabilized mine for the time-being but I do look back and think I should have just followed through with the separation agreement meeting with our L's.
I like your last quote as a response to her. I wouldn't just do it in my case either...send the email to your W and then follow through. However, if you don't think it's an act of aggression than why worry about how she perceives it? We can't control how people perceive things anyways. Either way, I would just do it so you can protect the financial interests of not just yourself, but your family.
Lastly, about your thoughts at the beginning...I'm the same way. But, the more I try to figure out what she's thinking the more stuck I get. Who the hell knows what her intentions are. Moving forward, I'm going to assume my W doesn't want to be with me until she says otherwise because that's what her actions have shown.
H 37 W 31 S 2
T: 7 M: 4
BD 12/18 Separated 2/19 Living back together 04/06/2019 W Moved out again 07/15/2019