There is no rush to decide, and you can call time at any point. Whether that is today, next week or in 10 years time.
MN is very black and white when it comes to infidelity. The rest of the world less so.
My H and I are currently working through reconciliation after his affair. He was convinced I was going to throw him out, so he left before I found out, and tried to start a new life with her. The reasons for his decision to have an affair are many, complicated and messy, on both sides. It is not as simple as him being a lying, cheating arsehole. He is a flawed human being, with many, many redeeming features, as am I.
When he asked to try again, after about a year separated, I am pretty sure the financial side did play a part for him, although I have a good career, pension etc. I had previously had a lot of legal advice and had already decided that if he wanted a divorce, he would have to own and drive that process. That way, he would have to take full responsibility for what he was going to lose financially, and he would have no excuse to take it out on me.
We continued to live apart for about 9 months after he first asked to come home. Long and the short was that regardless of why he asked to reconcile in the first place, the long term was more important to me. We are slowly rebuilding our connection, treating each other with far more kindness, love and respect than we had for a very long time.I haven't put conditions on him such as access to his phone. I don't want to live like that, controlling his every move. That is not who I am, and I am not putting someone in a cage like that. He has to demonstrate that he can be trusted without a leash, and show me that he wants to be here of his own free will.
I take it one day at a time but regularly remind myself what do I want in 10 minutes, 10 months, 10 years. The kneejerk reaction to lash out in (justifiable) pain won't help me achieve my long term desire for a happy and strong relationship. We are having more honest conversations than we have had in many, many years.
Reconciliation is not for the weak, it takes emotional strength like you will not believe. It is not the path of low self esteem as so many on MN would have you believe. It has actually been an incredible process of self discovery, learning about who I am and what I want from my life. It has forced me to dig into my own issues that I brought to the marriage and work those through, separate from my H's issues.
He also knows that if I even caught a whiff of another affair or contact with previous one, I am done. You can make a fool of me once, but don't try it again.