Thanks for all the comments.
NW, CC43, Pete, others - I absolutely am going to prepare to be ready with a lawyer if I need to. I do "hope" mediation is possible but also know the reality that it's not likely to happen.
CC43 - you hit the nail on the head!
Trust me, if you think your wife is difficult now, she will be even more difficult in a divorce process.
I have this exact thought often... if she treats me this bad while we're married how bad is it going to get when I file for divorce and we aren't together. I think this is where my disaster vision goes. Thinking of every off ramp and options and what she might say, how I can counter act it. I sit and think that people I know and love may be convinced I'm an abuser!! She is so bloody convincing and charismatic. I feel like I have to have my years of recordings ready to go and share with people if I'm asked or confronted. I want to be able to refute with others if she starts spreading rumors... I don't want to be aggressive but I also don't want to sit and take it if people are calling me angry for all my supposed wrong doings for the years.
In addition to interviewing divorce lawyers starting Jan I've already reached out to a guardianship lawyer to setup a consultation on under what conditions one of the joint guardians can be removed... If I do that then divorce filing will probably be right after.
Gems: My files are all stored and backed up on the cloud. My wife doesn't have the password for my laptop. She's an extremely 'untechnical' person. She needs me to assist her at times for even simple tasks like creating a file folder... I have checked credit reports recently. All my audio and videos get removed from my phone after I back them up in a secure location. Thanks for all those suggestions, there are so many little things that we don't think of.
My W's choice to work none, P/T or F/T is 100% her choice. Our kids have been in school and don't require any care from her. I take care of all the main daily household functions - groceries, cooking, cleaning up. I take care of all my son's needs (and daugthers) and generally - he is fairly independent in some ways and is in a job training program about 30 hours a week. If someone needs a doctor or dentist appt - I set it up and take them, I do the running around and shuffling. My daughter knows if she needs help with transportation or if she needs a car to come to me, mom is a last resort.
She could work F/T with either of her p/t jobs but hasn't. It's taken 8 years from her to go from not working to taking a few private clients to working a few hours a week consulting to now working maybe 35 hours a week. Throughout that whole time she hasn't needed to stay home for any reason other then not wanting to work and feeling entitled to apparently stay at home, sometimes start day drinking and lounge around. She's working much more now then she was years ago but it's taken her so long to get here. And even though she's making more money then she has in our marriage, the % of contribution to the household is extremely low... Even if she worked more hours and F/T there's no guarantee she would contribute anything more.
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I mean I feel silly for bringing this up but wanted to broach if cohabitation would even be possible if I file for divorce? I'm thinking of things like increased internal security cameras, (I already have a keyed lock on the spare room). Minimal contact and moving out any important items ahead of time, and locking everything else I need in the spare room (which would also have security cameras recording to the cloud). Keep an audio recording on at all times if she's present.
Here's the thing - I won't leave the kids with her, especially my son. My daughter could choose but I want sole guardianship of my son so I'm not about to leave him with a woman who is mentally ill and has a history of behaviors. I am going to ask the guardianship lawyer about the legality of moving our son with me if I left. My uBPDw is currently a joint guardian so I don't think I could decide that on my own. Also, I have no savings, none yet. I'm going some extensive cuts in Jan and will start saving but it will take a long time to get anything meaningful and I'm hoping to get enough to just cover for legal fees. I can currently just afford to keep the house afloat now. But it would not be possible for me to pay for another place and the house. And if we were divorcing - it's not like she would pay anything more towards the house. Even if I left, she wouldn't pay the mortgage. And I wouldn't want to lose the house as it's our only asset aside from some retirement accounts. The only way I could finance leaving would be to drain a lot of my retirement accounts and not sure how long that would last (I may have to tap into some of that for the divorce anyway).
The ideal situation would be she just leaves and can't be in the same space if I file or I contact the police again. I hate thinking like this but the other real possibility, it's inevitable, that is that it's only a matter of time before she rages and explodes resulting in some sort of physical aggression where I would be justified to call the police. It could be the justification for a TRO. I wanted to consult a lawyer (once I find one) about a TRO and how that might work long term, etc. I really hate that idea but it might come to that.
It is strange I still feel somewhat bad about thinking of something like a TRO? We have no family or even close friends that she could stay with if a TRO was issued. She would have to get a hotel temporarily and find an apt or something. I don't want her out in the street without help and I would even be willing to help her get a place setup, etc. I just don't want the crazy in the house any more.