@Jane1978xx Not sure what your Q is but there is no 'blame' attached to divorce.
Your assets will be divided fairly regardless of the reason for divorce.
Your DH will get his fair settlement regardless of whether he divorces you for adultery or you live apart for 2 years.
There are 3 main ways to file for divorce
1 Adultery ( the 'innocent' spouse files usually.)
2 Unreasonable behaviour (this has to have been within 6 months of filing- anything before that doesn't count and the UB has to be recorded.)
3 Two years' separation living separately OR in the same house but with separate bedrooms, not sharing meals, laundry or any usual household stuff.
Presumably you both intend to divorce anyway as you are apart?
What ground are you both proposing and who is going to start proceedings?
And yes, it could be classed as adultery as long as you are still married. Living apart doesn't exclude that. But it's not relevant- your DH won't get more of your money if he divorces you for adultery.
There is plenty online about this but it sounds as if you need to get real legal advice and get the ball moving anyway if you want to meet other men and start a new life as a single woman.