We went through the counseling and I suppose both of us tried. What put me over the hump was realizing it was never, ever going to change. That was like and "aha moment".
We were still in the same bed until the day I went to the lawyer. That was 3 months ago and it looks like the end is finally getting close. Hopefully, by the end of this year we'll be divorced.
I think it is normal to feel this way. I am in a similar situation as you and although I have filed for divorced finally, every time I got delivered documents that had to be filled and sent back, or return a call to my solicitor, I will put it off! I knew it was the right decision, and I knew that was what I wanted, but I was also terrified of the change and what it would mean. I knew that once started it would snowball into every aspect of my life!
What kept me going was the support of friends and also, my children. In my case even my children could see it was the right thing to do.
I think you have to keep reminding yourself that, yes, it will be hard, but only temporarily, yes, it will be a big change, but all the hardship will be worth it at the end.