Had a chat with a friend - same situation - says it doesnt bother him - his solution: "my wife can't cut me off. She doesn't know where I'm getting it." Good for him.

Some say divorce first - how come?

Why should I give up half of what I earned for the last 30+ yrs - because she wants to be only a room mate. I do most of the house work as it is while being the sole breadwinner for 3 decades. Screw it. I will start firewalling my finances and start moving on with friend with benefits. When she decides to be married 100% then I will return the same.

One thing I noticed is that men attractiveness increases or perhaps drops less than women as we age. Women are at their peak of sexual attractiveness in the 20's and the "cougar" phenonema is the attempt to recapture that time.