Late to the game

[Free]

Tough day today. Toughest by far since BD. Here's what I've come up with so far.
1- I do still love her, but I'm not sure why. Maybe just habit and not really love? We've known each other most of our lives. As far as relationships, she is all I know.
2- I do not think I can ever get past being cheated on. I try to understand her mindset and how this all happened. To a large extent, I do. I'm not condoning it in anyway, but I get it. Over the years, we've had friends that cheated on their spouses and both my wife and I felt that if things were so bad, get divorced before you cheat. I still feel that way, but my STBXW apparently does not.
3- The marriage between us is over and I will file next week. Spoke to my L today. He is a friend and has given me advice along the way (mostly, don't get divorced advice). He is still against it and says it is still to early to rush into D.
4- I will remain neighborly throughout the next few days, while I shut off and cancel everything we have concerning joint bills. She will probably find out about all of this when she tries to gas up her car. The same car that will have no insurance as of tomorrow.
5- Custody and joint assets- Long talk with L about all of this today. It can and most likely will get ugly. There are certain things that we will both want and will fight for. I am taking the L advice and will not speak to her about anything I want. He will be the bad guy, not me.
6- I will not leave my home under any circumstances.
7- It's time that we speak to our children. When I've brought this up in the past, W refused. I will speak to them without her. They are all old enough and they can see what is happening here. As I said in previous post, they say nothing about it in the hopes it will just go away. One of my kids knows more than the other two. We talked about it soon after BD and I told him everything would be ok. At the time, I still had hope. A month or so later, things were getting worse. He could sense it also. He asked me to not give up, and I didn't. He's never said a word about any of it since then.
I plan to tell them that we are getting divorced and that none of this is their fault in any way. I will own my mistakes that contributed to this and I will tell them that everything will be ok and that I love them. I will not speak about W except to say that I know she loves them also.
That's all I have for now.
Rope officially dropped.
There is a hotel bar downstairs. I'm not a drinker at all, but I just may indulge this evening to take the edge off of this monumentally bad day.
If you have any thoughts or opinions on my plan, please send them. I'm open to tweaking, as needed.