I can see you are scare silly about talking to her about it, and I mean REALLY talking, not just a couple of comments passing by. I have been reading all your posts and I can tell that you have convinced yourself that NOTHING will change even if you do (place the recommended action here)and are just drowing in your own despair, because your are paralized, not going any direction but just suffering.
I know you are a courageous man, so now my friend, act like it and do what so many people have done: sit down and TALK to her or if you just can't then write a letter and post it here, so we can give you our opinion.