I did not have a Vanisher, nor was he a Monster, but after reading stories on here for a few years I honestly think having a Vanisher is much better than a Clinger or a Clinging Boomerang.
It may be MUCH, MUCH harder, and more painful, in the beginning but I feel like a few on here, it helps the spouse move on faster because they leave you no choice. You have no alternative but to get on with your life, which is exactly what we should be doing.
Having Clingers around only keeps you painfully aware they are there, just not caring about you. You see their selfishness up close and it hurts. They give you mixed messages, which can keep you confused.
With a cowardly Vanisher, there is none of that. Plus if you do, eventually, meet someone else it gives you time to work on that relationship.
Just my opinion.
Bluerose, you said your H has given you no financial help, but you did say your finances have been separated.
In the D settlement, will he need to pay you spousal maintenance? Or don't you want or need that?
I'm sorry I don't remember if you have kids, but if so will he need to pay child support?