You don't have to make any decisions right now. Three young kids and limited financial options are good reasons to make an effort towards reconciliation. You wouldn't be the first BH to do so for these reasons and I'm certain, unfortunately, that you won't be the last.
Her increased desire for intimacy and being more adventurous could be a type of love-bombing. She might be using sex as a way of getting closer to you. A tool of sorts. That's not an intrinsically bad thing. It's contrition, in a way. I would suggest having some deep conversations about this, exploring what you both want out of it, how you both feel, think, etc. Physical intimacy is typically different for men versus women. There's common ground, of course, but it varies from person to person. Talking about it can lead to a better understanding and, hopefully, greater fulfillment for both of you.
What's more than challenging is swiftly realising I had no bloody clue who I married and what she was capable of!!
Yeah, we all go through this. It's a mind-fuck of epic proportions and extremely disappointing (to put it mildly). But, now you know. Now you know just how broken she is. I certainly hope she know this, too, and is owning and fixing her shit.
How could you continue it.. How did it not eat you up inside.. You had 13 months to stop it, but kept going because You wanted it, and it felt good..
In a nutshell, her reply is 'because I thought you'd never find out'..
That's a lie she's told herself. She knew damned well you'd find out but buried those fears and thoughts, compartmentalizing them. I think most WS convince themselves of the same bullshit. It's like hoping to win the lottery: the odds are extremely low.
Most WS are trying to fill a void within themselves, an unhealthy need that they neither understand nor try to fix. For many, it's an escape, an easy fix, not unlike an alcohol or drug addiction. They know damned well its wrong and self-destructive, but are unable to stop.
If you're going to reconcile, it begins with your WW uncovering her whys, owning them, and doing her best to fix what's broken. Unlearning some untruths about ourselves is fucking hard. Without that effort, reconciliation is simply not possible.
At some point, she's going to have to try and explain all of this to you. It may never make sense to you, because you haven't been there and done that. However, getting as close as humanly possible will help you to believe and accept the changes she's making. That will help to restore trust, which opens up doors currently and justifiably closed.
Does she want to make this work now, and put in full effort to repair: I'd say yes.. ( But I'll never truly know what she thinks or feels ).
Well, yes and no. We can never truly know anyone. However, it's possible that your wife will learn to be an authentic person. It can happen.
All of this takes years, brother. It takes hard work.
There's a great post written by a formerly wayward wife in The Healing Library.
"Wayward: The Work"
by foreverlabeled
Print it out and give it to your wife. Just don't tell her where you found it.
https://www.survivinginfidelity.com/documents/library/articles/recovery/wayward-the-work/
[This message edited by Unhinged at 1:44 AM, Friday, January 9th]