@John *********
the only problem is with two kids and likely associated assets, all that needs to be defined in the divorce paperwork adding a fair amount of complication to the process - unless OP and wife agreed to sign a 'no claims' waiver as we did and divide assets privately later.
It's been 4 years but I went in and did the change of reason to retirement, meeting the criteria and got divorced later. That made it very low stress. That was at a time when there weren't so many wrenches thrown into the works I guess.