If you want to have the talk then have the talk but you better wear a cup because there is a really good chance she is going to kick you in the nuts.
From someone who did this, I bet money on this. You want to experience getting crushed and feel like you're getting tossed aside like garbage; if you want to feel like the years of your M didn't matter one iota - then go talk to her.
I know that I am doing some level of my own projection, but from the scores of sitch's here and what happened to mine, the response from your W is quite predictable. The chances of you having the kind of conversation you think you're going to have and want is so darn small that if this goes the way you think it will go, that would be a huge outlier to how things generally unfold.
Be prepared to get decimated if you go this route. And I can tell you from personal experience, it was devastating. I am not trying to scare you, but just giving you an honest answer.
