When mediation is failing

[Dillydallydonut]

I seem to have two options:
Either concede & accept a poor financial offer which leaves me struggling financially & having to move house with children. But at least means we can separate & move on in some way.

Or go to court, dragging it out further, making living in house together unbearable & stressful.
I know he’s trying to call my bluff but I can’t live like this for years while we go to court.
How do you know when to give up or fight? Does it really take 2 years for English courts to decide on financial arrangements?
Balancing needs of children & fighting vs, needs of children to have happy home & give up for a peaceful life. He’s already said he’d rather give money to lawyers than me, so rational conversation has gone.

I think it depends how far apart and disconnected you are in terms of settlement, and the cost , both financial and emotional , of pursuing, as well as whether your proposal is reasonable

but yes, can drag out years if parties can’t reach agreement, refuse to cooperate in the process, do t negotiate and compromise or if one ( or both) have unrealistic expectations on outcome