Never say never about future marriage ;-)
And I would find a way to value your pension, and figure out how much of that has been earned while married. Could you not get a QDRO to settle her cut, if any?
Technically, we couldn't call do a QDRO. I'm work for the federal government like Joan. Our pensions and retirement savings are covered under different laws and I think we'd have to title it a COAP (court order appropriate for processing, I think) as Joan mentioned. But yes, it could have the same effect. I will eventually have it valued. I think she might come around. We are just talking now.
Also, was any of that vehicle debt accrued prior to marriage?
If she's keeping the vehicle(s), are you getting the same value out of other assets?
If you do go along with her proposal, be 100% certain that retirement survivor benefits end upon remarriage or cohabitation.
Have an attorney look it over before you sign.
When I said vehicles, I meant various savings vehicles (CD's, IRA, mutual funds). Yes, I realize I mixed pre-tax and after-tax stuff. I'm sure we will have no problem dividing the very small assets that can be liquidated. The pension is the only thing that gets a little complicated.