trueblue - very similar circumstances with me, except no specific OM in my case (EA awhile ago). I actually asked my W to take a week and think about it to be VERY sure that this is what she wants.

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She has a lot of thinking to do, how much more?

Is there really a way to quantify this? Or do you mean her thinking about your relationship?
You all are going to be thinking for a very long time. Talk to NTX_Dad - they spent like 2 years working through everything!

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Loving me is not enough, she has to want to be `in-love' with me again

Agree with AS, let her decide that. You can't demand a "feeling". My W told me a week ago ILYBINILWY. This week, she said that was a cop-out/lie, and she just was trying to protect herself.

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I will not go back for the sake of Step-son or her money issues

Yep, said the same thing to my W. I've raised my step-kids 90% of the time for almost 3 years

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I will not entertain a relationship while OM is on the scene in any way.

I think that's more than fair, and I'm glad you were clear on it. What boundaries apply? No communication at all? As AS says, will you require access to phone, email, etc? Does she need to check in with you if she's gone at night?