Also, I wouldn’t be surprised if the events of the last couple of years have given Kate pause for thought about what she - and her children - are actually signed up to.
Before the Queen died, the throne must have seemed a more distant concept - for her and William, and for George. Suddenly, they find themselves on the cusp of it. Throw in the Harry & Meghan drama, it’s been a very turbulent few years and I think anybody - especially somebody who married in and therefore could hypothetically leave - would have at least cast a brief glance towards the door.
If the rumours of marital discord are true, maybe a separation seems preferable to Kate. No matter how well prepared you think you are for anything, having children will open up a new perspective on things. Maybe the prospect of a royal life is no longer as appealing as it was in 2012.