It seems like you have a good plan and youʻve thought this all through. I agree that her behavior, labeled or not, probably doesnʻt come from a place of malevolence. Sheʻs hurting and confused too. But-- I think you can feel good that you have given the situation time; youʻve completely thought every possible path through; youʻre empathizing with her to the extent possible; you know your priorities; and the status quo is just not sustainable anymore from a financial or parenting standpoint.
What do you need for support as you move forward?
Me (46) H (42) M:14 T:18, D9 & D11 4/19 - 12/19: series of escalating BDs 9/20 - present: R and piecing