Howdy - hoping someone can just double check me and see if I'm making realistic settlement offer, or if I'm just being an ass.

Firstly - I'm ready to walk away.

For context, 28m two children, separated right at 5 years.

Some of the larger numbers that will come in to play:

185k owed on mortgage (Took mortgage for 200k)

38k owed on STBXW car

30k in CC debt

5k owed to IRS

31k in 401k

5k in stocks

To be honest, we don't have a lot to fight or argue over though it's been a toxic ten months, my STBXW came to me the other day and said she doesn't have it in her to fight and keep doing the back and forth. I let her know I'd be happy to settle, but we have to come to an agreement or else the court and lawyers etc will have to continue until a judge makes their say.

Anyhow, I'm also ready to walk away, but here's my proposal:

True joint 50/50 custody of kids
I pay her $800/mo in CS (this is caluclated by the state)
55k buyout (my thinking is I liquidate the 401k and stocks, then refinance the remainder to keep the house)
She keeps the car
I keep the CC debt
She can have the 2 dogs and 1 cat
She can take whatever physical assets from the house (Dinner tables, kitchen appliances, beds, xbox, TVs, zero turn mower, yada yada except my power tools)

It's easy to say sell the car, but she wants to keep it. I've made every payment since purchasing it, and my truck was in my name before we got together. This is paid off.

I'm scheduling an appraisal on the house soon, Zillow estimates are WAY off though. My neighbors house (also conveniently getting a divorce) has an estimate between 310-378k, though it just appraised for them at 275k. This house has an additional acre and is about 1200 sqft larger than mine.

In my mind, even if it did appraise at 300k and we split the difference, after selling etc we would still come out with less, and I'd like to stay in the school district for the kids. 55k would allow her to pay off her vehicle, give her near 20k in liquid on top of the $800 or so in CS a month, while I dig out of cc debt.

Am I being reasonable, or giving too much, or screwing her over?