I do recommend going forward with the divorce, whether or not your wife chooses to contest it. My reason: while the two of you may be separated, you are still legally bound by the courts. Which means that if your wife decides to buy things, you are considered to be financially responsible.

Trust me on this one! While my ex-hub and I went through an amicable divorce, we had to go through a bankruptcy together before our divorce went through, because I was considered to be just as responsible for his purchases & I could not afford them. That really sucked!!

Protect yourself & go for the divorce. Sorry that you're in such pain! Gentle hugs sent your way. Things will get better, but it takes time.