Peggy the OP absolutely should go for a needs based settlement if she altered and reduced her financial position with his blessing as part of a decision within a marriage that she had every right to believe was permanent. (because marriages are supposed to be permanent)
OP reduced her earnings to start a business in agreement with him.
Sosolow, the loneliness will not be as bad as you think right now. It's especially lonely because you're in limbo, in your marital home and still in the position of expecting things to work out. You'll be OK on your own soon, it'll be a hard slog, but how you feel now is so very temporary.
A house and garden is not better than a flat because it's bigger.
I divorced and left a 4 bedroom detached house with 100m long garden, for a small 3 bed semi.
You know what? Now I'm all "WTF were you doing paying 2x the council tax and crazy heating bills for a fancy house?"
I prefer my house now! You may feel that way about your flat (or smaller house, or cheaper area house) soon. Because it's happiness that makes it a home, not size. And you'll be happier when this limbo has finished.
Well done on cracking on with the solicitor. My advice is that too many women give up hard cash to be amicable because of kids. You don't need to consider that - don't worry about being amicable. Chances are, what you and the law and a decent person sees as fair, will be unfair in his eyes. So just don't waste time worrying. You will kick yourself if you give up money that you need and are fairly entitled to, only to later find he was cheating on you which - I'm sorry - really could be a possibility.
And starting again at 48? Reframe it! What a blessing to have the chance to start again! Pity the poor women unknowingly or knowingly stuck in bad marriages. Not you - you have the world ahead of you, when you're ready to grab it!
Starting with a new job! A chance to meet new people, get a confidence boost as you succeed, and earn more money. Lovely!