That does sound like a difficult decision. Ultimately you'll need to figure out what's best for you and your family. I'm glad to hear you aren't rushing into any decisions.
Here's just a suggestion, I'd never push meds (I grew up in a very anti-med environment. My mother didn't even keep asprin in the house!), but I have to say that a low dosage of antidepressants can sometimes make a big difference. A med trial could always be a last resort type of thing. I had never thought of myself as needing anything like this, and everyone would probably tell you I'm the most easy-going person with just occassional stress (like 2 days each month!), but I recently went on 10mg of Celexa (to help me with the divorce), and the difference was surprising. I feel so content with life. Not drugged in any way, just overall pleased and content.
There is no arriving, ever. It is all a continual becoming.