The divorce application and division of any assets are separate issues legally, that are often dealt with at the same time.
And you don't NEED to involve a solicitor to sort out the finances.
In regards to dealing with the financial side of things, I agree, don't rush into anything or make assumptions about what you are or are not entitled too.
However, you do NOT have to resolve financial matters through the court, and even if you choose to, you must undergo mediation first before making an application.
More importantly legal aid is still available for mediation in England & Wales and non court based options can be better for the families involved in the right circumstances.
The following might be helpful :)
www.advicenow.org.uk/guides/survival-guide-using-family-mediation-after-break
www.advicenow.org.uk/guides/survival-guide-sorting-out-your-finances-when-you-get-divorced
www.familymediationcouncil.org.uk/
www.gov.uk/money-property-when-relationship-ends
Also if you start mediation and then decide that court would be the better option you can still make an application at a later date.
The most important thing to remember is that with mediation and non court based remedies you have a part in shaping the outcome and your future. If you go to court it will be a third party.
Your financial future is important but if you can avoid running up unnecessary legal bills. At the end of the day it's money you could be putting towards your new future and the next chapter of your life.