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Chipping in here Charles.
I am in a situation where I think I may have to go to court, but my wife''s case is helped by having the savings pot taken as low as possible. In this way she may be able to get the house awarded to her for a relatively small sum. My intention was to self rep to keep funds intact, but if she can equally go to court knowing she can take the £20K from joint funds (currently in my sole name) then it will help her both decide to go to Court and to deplete the funds to help her case at the same time. Not sure this is making sense to anyone!
In short, I read your email as saying this is what could happen and she could use the joint funds?