Dear 6910, taking care of your self and protecting your financial interests are not the same as making "rash decisions". It is your right---and responsibility to yourself. If you are not doing this for yourself---do you see anyone else doing it on your behalf??
I would listen to BobbyJ on this matter and see an attorney ASAP. As English Garden suggested--you might explore a legal seperation with the attorney to see what that provides for you. It is not the same thing as a divorce. It might be a valid proactive way to keep yourself out of the victim position. I don't see how these actions would interfere with her recovery process. Caring for yourself is not going to alter her recovery. Her reaction to this would be her responsibility to deal with---just as your reaction, right now, is your responsibility.
None of us have a crystal ball---we all have to deal with life on life's terms.
Keep your faith.
dandylion