In your case, I think it is six of one half a dozen of the other, as since you are still married once you move back in the clock starts all over again as if you just got married and your community property would start again as of that date. If there is no child support or alimony, I don't think you have to do anything.
However, you mentioned her house and her IRS and medical debt. That implies to me that the house is now her separate property. If you as the 'Kind soul" make contributions to her debts and the marriage goes south again, I am guessing that that money will be gone and you will have no interest in her house from the date of separation to the date that you resume living together. Your interest in the house will be limited to what you paid in from that day forward. The only things that could change that would be, you going on the title or signing over her interest as community property.
Deciding to go forward with a divorce is kind of like joining a brotherhood. However, it is a brotherhood that you really don't want to join.