You said "Not having sex causes suffering. So does decreasing your standard of living as well as the standard of living of your wife and children". You can actually do something about the second item, whereas you are SOL on the first if you are married to a person who is stuck in LD mode. A critical difference IMO.
This is true. I know it probably vibes different for you guys than me but I have found that even with kids at the late teen stage you can go a long way substituting creativity and attention for cash. Also, kids care more about things like expensive clothes and electronics than how ritzy of a neighborhood they live in when it comes to status with their peers.
"Tell me, what is it you plan to do with your one wild and precious life?" - Mary Oliver