Unlike child support, spousal support is often very difficult (if not impossible) to modify after the divorce is final, so getting it right the first time is a must!
Everyone, thank you for all the valuable advice. I will revisit with my attorney the option of filing now. The only thing that gives me pause is that he doesn't want the divorce and will refuse to sign the papers. I know that if I can just hang in there another year or so, I can move the divorce forward without his signature.
I can't move back in the house, he would make my life hell. I am lucky in that I can afford (barely) to pay the mortgage plus my rent. We have no children, so I may very well end up paying alimony. He has never made that much, he chooses to work at low paying jobs although he doesn't have to. He also stands to inherit half a million when his mom dies - I don't know if that would factor into anything unless she were to die before we divided the assets.
Divorce really IS hell. Or at the very least, a real pain in the ass.