I will read through your original sitch but wanted to comment on what you have posted here first.
I know our situations are close and I will only point you to the advice given to me. You know your W and sitch better than anyone and it will be your choice in the end.
I know it is hard but the best thing you can do is to stop snooping. While your W might be having doubts she hasn't brought that up to you and it might just give you false hope. Additionally, I wouldn't take my W back unless she showed true remorse for her actions. Thinking "this" OM isn't right doesn't mean that she doesn't want another OM.
As far as the house goes I would talk with your L to determine your options esp. if the house is underwater.
Going to check out your original thread.
M 33 | W 34 | Kids: S4, S3 M: 5/28/05 Bomb: 8/22/09 EA: 8/1/09 | PA 12/26/09 W L: 10/21/09 M L: 11/16/09 | 12/09 to file SA W & Boys Move Out: 3/14/10