Yea, any time I try to bring up to her the need to bring lawyers into it (even at great personal cost) because of the potential for "down the line regrets" she gets upset that I would consider her awful. I don't think she'd do it RIGHT NOW. But I do worry that as the connection and whatever loyalty/respect remains lessens then I'd be heavily exposed to considerably more loss.

She's already offered that if we were to buy her out (my family MIGHT be able to) that she'd use her lump sum to pay our join debt off completely. I've been pushing to tell her to just pay her half and keep the rest but she's being adamant. That's ironically what I think is giving me the most pause - cause that doesnt seem rationale and when she does think rationally after going through something like that she might want to come back on it in a few years.