I like fair, so, I would at least explore my options regarding the financial end of the marriage. The court system is into fair and equitable distribution of assets and debts, a divorce today is nothing but a financial separation.
I also have a little guy running around here, he runs so fast on the hardwood flooring that he cannot stop and bam...into the wall he goes. Good thing his body is like a bowl of jello, doesn't phase him in the least!
Take your time, explore your options and then make an informed decision.