I'll try and make this succinct!!
H and I have been together for 14 years and married for 9. We have 3 school aged DCs together.
After the birth of our youngest child I had PND, he was in denial and threw himself into his work, and I felt as though I was left to drag myself out of depression and look after the kids full time. I can see in retrospect that I ended up shutting him out in my attempt to be able to cope by myself - he was rarely around due to his job - he is a medic and does a lot of stuff in addition to his "normal" job which has meant he is often spending time away from me and the children.
2 years ago I was at the end of my tether with him chosing to be away from us so much, and I told him that I wanted to split up. He was devastated, shortly followed by being very angry and saying that he would battle me for half of everything - money (my parents have a lot of money and have been generous in giving some to me, which he has said he will look to get in a divorce settlement), custody of the children etc. I spent some time thinking about what I wanted to do, and made the decision to stay together.
We had some counselling in the months that followed that, which I am not sure helped, but certainly things since that time have been more settled, and less awful, as previously I was very unhappy and crying most of the time.
2 years on, and I am still undecided in what to do. I don't love my husband. I can say that without any doubt. We don't have sex, not because he doesn't ask, as he frequently does, but because I always say no, as I do to any sort of physical contact. Not a day has gone by in the past two years when I have been glad that we made the decision to stay together. Life is not terrible; we can be civil to each other and he is not a bad person, but I don't know if I should have been bold enough to make the decision to split and carry it through.
I am terrified that I would lose so much. Not only financially, which would be annoying, but that he would go for at least partial custody of the children and I would lose so much time with them. Part of me feels inclined to stay just so that I don't lose time with them, and so I can look after them (I get very frustrated with H's inability to just do the basics for the children such as get them to school on time, remember to brush their teeth before they go out, and remember that DD wears glasses and needs to wear them all the time, not just when he remembers to put them on her). I don't have to put them through a split, but on the other hand I feel as though I am wasting my life in a relationship that I don't really want to be in.