How strange that a thread like this appears when it's something I have recently been thinking about!
I never thought I had settled for DH, but recently I've been thinking on a subconscious level I did.
It was never really sparks flying head over heels fireworks. There was a good level of attraction and I was ignited by his mind and interests, sex was good and all round I felt safe with him.
I sort of assumed, wrongly I think, that this was proper love, adult love and not some teenage hormone induced frenzy (I was very early 20's when I got with him). He is significantly older and at the time a man in his 30's with a stable job and income, no mental health issues and a genuinely nice guy wasn't going to break my heart.
Just as I was getting serious with DH an old flame who I considered the love of my life up until meeting DH - had got back in touch. He has got divorced and wanted us to be together. I said no, despite desperately wanting to scream yes. It wasn't practical, I had already built the foundations for a good life with DH, we got on, were in love and sex/emotional/communicative aspects of our relationship were great.
So in other words. I followed my head not my heart.
13 years later, with two children and a massive mortgage, DH has completely broken my spirit. We haven't had sex in 3 years, at his insistance, he's occasionally cruel and stonewalls me constantly whenever I attempt to mention his behaviour or call him out on something. I go for days in my home not even making eye contact with him. He won't look at me. I've come to learn this is some sort of punishment and an attempt at controlling my behaviour. He's lied to me about a lot of things. I cry a lot.
So to summarise I think it hasn't worked out, but at the time I absolutely would not have said I was 'settling', but I was being sensible and not chasing bad relationships.
It seems there is no winning 🤷🏻♀️