Not trying to thread-jack, but giving you my context to tell you you're not alone.
My Dday will be 3 years ago this coming December. I am one of those, "if not for the kids... (and finances)".
We're in R only in the sense that my (m 54) WW (f 49) of nearly 25 years pulled her head out of her limerence a** relatively quickly, has demonstrated genuine remorse (I believe that), shut it all down (NC, etc.), we engage in intimacy, she does little things to convince me she's "all-in" and I don't explode at her in anger anymore.
So she thinks we're "doing well".
However, she adamantly refuses to do real work on herself (any kind of counseling) and at times still demonstrates a kind of "tone-deafness" to the damage she's done. So for the kids and our financial situation, I have accepted what we are now. And for me I do love her, but I don't see it ever being the same as before without her doing the real work.
So I've just decided to accept this until my youngest is in college (3 more years). Then I'm 75%-80% sure I will pull the plug. I am holding onto the right to pull the plug sooner and that 20%-25% possibility that she could do what is needed to keep me in the relationship.
I know a lot of people will say it's a bad way to present a marriage to your kids, but you know what, everyone's situation is different. I've weighed-up the potential consequences of my kids live's being up-ended by having to sell our home (neither of use could afford it on our own) and all the other disruption a divorce would entail at this point in their lives against what they may take-away from my decision to stay in terms of a healthy relationship and I've decided to stay for now.
There are no 'best options' in these situations in my opinion, just 'least worst options'. And this is my least worst option for what it's worth.
[This message edited by dontlookbackinanger at 6:59 PM, Friday, November 8th]