Nik - I agree with ST that the picture alone may not mean much. Can you tell when it was sent? It might even be an old picture saved to his sim card instead of his phone, so it transferred over with the card.
That being said - the ambivalence about recent ski trips sure sounds fishy - although he DID decide not to go, so that's good.
As for OT's advice - I dunno, I usually agree, but not this time. If you honestly feel there's a chance he might flake on you financially, I'd wait until those things are paid. Sure, two weeks of holding in this secret's not good for the R, but getting stuck in a financial hole isn't great either. Plus, I know you're exceptionally capable of setting this to one side and not getting too crazy about it until you have the convo.
BTW - can you check his phone records? Makes a big difference if there's no contact with OW, versus daily calls.
