Frank...seriously if I were you...I'd keep on keeping on with all that you have done. Your interactions with your W are wonderful...your DBing excellent.
These are all the pluses I see here. Your W is still at home. This is a Long Distance Relationship. Many issues here...LDRs are difficult enough to continue but when you still have both parties living with their SOs HELLO? Your wife doesn't want to send a card because of GFs feelings? HELLO...why would she really care? Maybe she deep down knows that there is more to this than she is letting on? What is more attractive...someone who is geographically and physically attractive or someone you spent a few days with and that you may never see again? They become an illustion of grandeur...can they ever live up to your expectations? GF still lives there...if they are not married, then she has no ties and she would be po'd and she would move out, lease or not, she'd dump the lease on him just in spite. Trust me... Where did she stay when she went to see him? DId he stay with her overnight or did he have to run home before the sun came up...or does he have a job that would put him out of town? Okay, he's 39 and renting...how is he going to afford something if he moves to CA? And who plans on moving where if they take this to the next level?