You are missing out on other valuable information that would help you better understand what is going on with your h if you don't read some of the other threads. There is so much valuable info on this forum about MLC and trust me...it is good stuff to read.
If you are absolutely sure you are ready to divorce him, then do so...but you are not ready to do so. I don't think you are ready either because you are still asking good questions and trying to understand what is going on. You will know when you have had enough and trust me, you will not be asking us if you should file. However, seeing a lawyer, may help you with the assets/bank accounts right now and to know what your rights are. Just because you ask those questions, that does not mean you are filing. Again, you will know when you have had enough.
Please take some time and read some of the other threads. You will find a lot of valuable info on them.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.