Cheating never ends well. Whilst I can understand how things can ‘ get out of hand ‘ after being on the receiving end of it, for the most part, I can’t agree with it.
It’s a bit weird, that most people in relationships find it easier to cheat when there is an issue in a relationship like yours than to talk it out and find a resolution.
It’s her choice to forego any sexual activity for good.
It’s your choice to accept or not.
Accept her decision and remain in your comfortable home life. Maybe adapting to it, or burying your sexual desires and any resentment that may accrue.
Or be honest with her, and yourself. Tell her it isn’t about SEX, but closeness, intimacy, warmth, love, wanting, being wanted, your self worth and value, her self worth and value.
You could be honest with her and tell her you are going to seek an affair partner, but I think this will eventually lead to resentment from both her and yourself. And may cause more issues than you have now.
Or you can bite the bullet, sit her down and tell her you love her, more than anything and you accept her decision to be celibate. But it’s not YOUR decision and you think separating and parting amicably might be the best solution for you both.
It’s bloody scary, and yes, you might be on your own for quite a while, but you read the countless threads on here from women, many sadly abused, who would do anything for the love of a genuinely good man who cherished and respected them and wanted to build a mutually fulfilling life with them.
So there you are. Those are your options.
But in the great scheme of things, we are only here once, be a shame to waste it.