I think they mean well and just give you scenarios to be prepared. Actually it’s not a bad advice re divorcing without lawyers. My ex husband and I didn’t talk to any lawyers. We agreed on everything and then just tweaked it as time went on. But every situation is different. You can only hope that divorce is uncontested. I think your girlfriend is just preparing you to the worst case scenario. But I really doubt he’d stop paying.

I never found anyone helpful irl when it comes to relationships. I literally would do everything first and then informed people because people aren’t helpful. And not because they don’t care. They are just too involved with you to be reasonable