One question I have is if you've gone over your director's head before, why not try to do it again to get the transfer (although the potential downside of not getting the transfer might have some serious implications)
It's tough to be in a position where you CAN'T quit, and you HAVE to play the game even though you know it's bullshit. With a growing family and supporting your wife through your schooling process, you're doing the right thing.
And although you've said FUCK THAT to this, 2 cars is the only option in this case if you don't get what you want. Get a joint for cheap with liability only on it and give your wife the good car (which is what I did)
Good luck dawg...one thing your family doesn't need right now is additional stress...try to deal as long as you can