I'm not entirely sure what that's in response to, but my simple answer to your post is that it's complicated. You need there to be lots of reasons for a relationship to work, and none of them are necessarily more important than each other, but they need to all exist together.
For example, wanting to stay together for the kids is a dreadful reason if you both hate each other. However, if as you say, you love each other, it then becomes a good reason. The point being that no one reason can exist in isolation.
I think financial independence is important because if you know you can leave if you wanted to, it makes it easier to know that you are in love, and you aren't staying because a part of you loves the lifestyle and not the other person. However, financial independence on its own isn't a complete reason.
As for having a decent partner - I hope your OH is a decent man. There are decent men out there. However, many 'decent' men have turned into monsters on breaking up with them. It happens.
I just think you should never 'need' a partner. Instead, you should really want one, because your partner makes your life feel better in some way. I think some degree of independence is key - relationships have to be a choice, rather than forced by circumstances.