another one sided separation

NYC, NY.
My husband & I have the strangest separation I know. He is at my home almost every day. He pays all the bills since I don't work. He has not done a change of address even though he has not lived here for 9 months. Some times it seems like he wants to spend time with me also and other times he clearly does not. We have seen a marriage counselor together and apart for about 7 months. We are not legally separated because I want to get back together so I am not willing to file. He does not want to get back together, but neither one of us have money for divorce attorneys ($5g's & up). My family enjoys intimidating me telling me that he will stop paying the bills one day when he gets a girlfriend and the girlfriend tells him not too. They tell me how stupid I am that I have not divorced him and moved on. We have a one year old child. He does not want full or partial custody. He is happy with visitation since I let him see the child anytime he wants to see the child. But, people do have a point since a year is a year.

I just don't know if they are right and I should divorce him at any cost or I am right sticking it out in case we get back together.

Please help this monkey!

[I AM ALWAYS LIABLE]

TOP 10 Reasons Why You Won't Divorce Him - -

NUMBER 10: He always apologizes after saying something like "I wished I'd married the remains of the Elephant Man instead of you!"

NUMBER 9: Because he still makes sure every hundredth woman he sleeps with is you.

NUMBER 8: You don't know it, but he still complains to marriage counselor you're not "jolly," "green," or "giant".

NUMBER 7: If marriage doesn't work out, you can always count on him for a fistful of alimony. So, what's the rush?

NUMBER 6: No matter how many times you explain it, he can't understand the "Clapper".

NUMBER 5: You still get turned on when he refers to you as "That prissy little b i t c h."

NUMBER 4: You family is always asking, "He's really the best you could do?"

NUMBER 3: His three goldfish are named "Husband," "Hates" and "You".

NUMBER 2: Your family has bumper stickers reading: "I'd rather be at your husband's funeral".

AND NOW, the NUMBER ONE Reason Why You Won't Divorce Him - -

You're still trying to figure out how to make a "If-I-Can't-Have-You-No-One-Can" poison meatloaf.

IAAL