Err, nope, not complicated. As many, many others have already said, if you are so shallow that you can't be attracted to your partner because of some physical thing, or even a health issue that is causing them to neglect themselves - and not because they are abusing you, then it's clearly not love and you should go.
When you say making no effort, now if you mean they don't make an effort to talk to you, care for you that is different. It still would never excuse cheating tho, but in that case I would say walk away. I would walk swaying that instance.
In this case though, if as I assume, they haven't emotionally.checked out, then no I personally wouldn't leave if I loved someone not at all, not if it were purely a physical thing and emotionally they were still "there" for me. If they had emotionally checked out and had a mental health issue I would stay and support of course, but if it was just a lack of effort, I would leave.
Love is supposed to be difference between wanting to shag someone because you fancy them and being willing to be with someone if they became bald, even if your prior preference were for men with hair, or fat if your preference were for muscular men, or if they had an accident that meant say they became an amputee and needed your help and care. You likely wouldn't stay with just a shag, or even in a relationship where it wasn't love, if those things, with that context happened.
But you would if it were actually love. Sounds like it's either not love, therefore you should do your partner (and yourself ) a favour leave, or that you are trying to rationalise having your cake and eating it. It's not complicated actually.