I personally would tend to discount the "too expensive" and "against God's will" opinions for the purposes of the discussion.
Why? I think they are both valid view points. Not having sex causes suffering. So does decreasing your standard of living as well as the standard of living of your wife and children. Not following your moral convictions also causes suffering.
Sometimes we have to choose our least objectionable form of hell.
SM
P.S. You did say "personally", and I can agree on that score as far as god's will. Since I am middle class, I cannot disregard the material shortcomings, even if they are not enough to induce me to stay. But I am certain my children's lives will be worse off, which would cause me great moral suffering should I divorce.
"If we will be quiet and ready enough, we shall find compensation in every disappointment." Henry David Thoreau
