Yikes separate nights out on New Years Eve. Nothing like being in a club at middle age lol but I applaud you for trying.
So I want to make it clear that I don’t think it’s ok if/that your W is screwing around. The goal is to get to a place that it’s unacceptable to you. My point is that until you are there you don’t focus on it you put the focus on your kids.
IMO if you keep status quo she’s probably going to bide her time while she’s planning her exit strategy doing the bare minimum. This may take years.
As for the separate accounts I’m not sure that matters.