Saadnblu,
I am sorry and know exactly what you are going through, as I had all of the same fears. Some of the fears are real--for example, yes, I am bleeding financially.
But I was bleeding out emotionally, like you, and it was much much worse. Money comes and goes. You will recover. You will not be on the street.
My attorney came highly recommended from someone in a divorce support group. I like her very much--she has gone to bat for me--yet I really believe that I am ultimately on my own in so many ways.
The paperwork I got through one step at a time. If I looked too far ahead, it was very overwhelming. I had my brother help me with much of it. I recommend you gather your support--family, friends--and enlist their help. You will get through it too.
Even though the reason I filed was my acceptance that reconciliation was never going to happen, I still had that fear in the back of my mind, "If I really do divorce her, she REALLY will never 'come to her senses.'" But this was the wrong attitude. I was still thinking about her. I filed for MYSELF.
If you have followed my thread, you know that two weeks ago, she did approach me crying, saying she missed me, did I still love her, "everything has changed," etc. Yet she was still living with the OM. Insane. It just reinforced the rightness of my decision.
The bottom line is, you know that you have to do this. Take the plunge--again, for YOU. Not for him, not to "make him go farther away" and destroy all hopes for reconciliation. Listen to your head, and your heart will--slowly, painfully--catch up. No, mine still hasn't completely, but I know it will and a new life awaits.
All the best. Be brave. If I can do it, you can too. Really.