You actually pretty well summed up what I was saying right there. Certainly no matter which outcome may result from you talking to him, it is better than you continuing to just be left wondering. To be analyzing every little thing he does and says and trying to interpret some hidden meaning to it.
And, also, as you put it yourself... You'd already reached a point of figuring it was over anywhere and preparing yourself to move on. So, if you talk to him and the end result is you two go your separate ways.... well, then that is no different than the conclusion you had reached on your own anyway. With one major and important difference.... At least then you will know for sure rather than having to feel like part of you will always wonder "What if?" "What if?" is a horrible question. Take it from a fella who knows.
Again, to me the major difference between do you wait or do you talk to him really boils down to you/how you feel. If you were fine with just waiting around for longer and hoping things progressed, I don't think you'd be here asking us about it, nor do I think you'd be debating it all that much. It seems to me (not that I'm automatically right, I could be wrong) that you have reached that point of AT LEAST needing to know if it is headed somewhere. Even if you don't necessarily have to have the "exclusive" talk or agree to "boyfriend/girlfriend" labels just yet.... you at least need to know the intention is for it to lead there and get an idea of whether your time frames match up enough.
I'll be here as long as you want to share. I swear, you are like my twin sister from another mister. LOL! So, I wanna see l'il sis get her happy ending.