Money is often a key consideration during your divorce process.
Please contact me if you have questions about how your 401k divorce decisions will affect your financial life during and after your divorce is finalized.
This does not mean you should avoid considering the substitution of other accounts when considering the cost and complexity of dividing a 401k, it simply means you have a few more things to consider in order to achieve the desired overall division of assets.
The cost and complexity of the division of a 401k in divorce is only one part of the consideration.
I mention an IRA account because for the most part, they have the same tax consequences (excluding a Roth version) so they are good substitutes.
Another reason I mention considering an IRA is that there is no QDRO (or human resource fee) required when transferring an IRA.