Hey- your story is not too dissimilar from mine. Have a few years on you though both in age and length of marriage. But the basic context is very similar- wife who was non-communicative about what she was emotionally missing in our relationship. All else, kids, home, lifestyle seemed fine.
However, there is a fundamental difference in my wife's story, she was in a full-blown, virtual EA with some random person (married with kids of course too) she met on a gaming app in another state rather than someone she worked with. Eventually moved from the app to texting.
When I finally caught it, I was able to look at the phone records, deeply into her phone and other devices and am certain they never actually spoke with one-another (or met of course, but it was starting to track in that direction). Keeping it to texting/sexting her feeling "safe" about what she was doing.
However, while she was carrying-on with this guy, unbeknownst to me, she had randomly met some guy at a bar and what was just "some kissing" when she finally confessed based on what I'd uncovered, evolved into a full make-out session, "but nothing more". Yeah right. But I have no proof that anything more actually happened so I'm struggling with how much of the truth do I really have and does it really matter at this point. All of this activity took place within about a 5-6 month period, just took quite some time for it to all come-out (typical trickle truth).
She was clearly in a very dark place for about 6 months. Not an excuse, but everything that went on seems to have been book-ended within a 6-month period.
My point is, and I think others with more wisdom (and experience sadly) will reinforce... cheaters lie. They lie directly and they lie by omission. Unless they have some kind of epiphany, they will ONLY ever admit to what they have been caught doing and then when caught, they will do their best to minimize and divert, until a new piece of evidence comes to you. Then they will re-calibrate their lies to fit the new evidence.
I'm sad to say, I doubt very much it was only an EA if they were in physical proximity and had opportunity. So be careful if you feel you've gotten to the bottom of things. When a BS thinks that, that's typically when the bottom falls out.
There's going to be a lot of advice you're going to get but one of the best is to get her to write out a complete timeline with details. You'll get a lot of, "I don't remember"... but do your best to get it and then see how it aligns with what you know is reality. Typically, that's where their story starts to unravel. My WW's timeline of things went from... just met him, to... it has been going on for about 3 months to finally the 6 month reality when I could prove it with phone records. A second big piece of advice that I totally failed at is, if you gather evidence, NEVER reveal where it came from.
Others will come along with a lot more advice, but I wish I'd found this place sooner and had those two fundamental pieces of advice and adhered to them.
To your point, why would they risk everything... that's the million dollar question they need to figure out for themselves. They truly live in an alternate reality while it's going. My WW genuinely believed it would never come out and that it was a bit of fun, something for her because she was emotionally unhappy that would 'fissile-out" (her words). There's a lot of overlap with addictive behaviors and affairs (the chemical dopamine hits their brain get from it, etc.).
Take care of yourself, take care of your kids. Take time. No rash decisions.
I came close to filing D twice, but walked back. We’re in R and it’s not easy. She has demonstrated genuine remorse (not just regret) and is doing ‘some’ of the work to make me feel safe again, but she should be doing more to really understand her "why". Regardless, I have solid boundaries that she understands and am taking things day by day right now.
Best of luck.
[This message edited by dontlookbackinanger at 3:18 PM, Thursday, November 2nd]