Ok so that completely changes things though doesn’t it?
Are we supposed to be psychic lol
So from her response my guess would be that she isn’t interested in cheating, because otherwise she wouldn’t have been like “NO”. But it sounds like she isn’t happy in your marriage (and perhaps, in herself) if she wants another man to look at her and presumably, complement her on her body.
Perhaps after having the kids she feels like “mummy” and like she’s lost her sexiness. Now I’m not saying there’s an excuse for her behaviour but I do wonder if you take the time out to be romantic with her, to tell her she is beautiful etc.. to go on dates, to make her feel loved and cherished.
Maybe you do though and she has checked out anyway.
But you need to sit down and have a frank conversation with her and ask her what she feels is missing in the marriage and if you can work on it to make it good again. Or if she feels it might have ran it’s course because you noticed she clearly had a wobble and is heading in emotional affair direction so you two either both need to come together now and fix this or, separate.
And if it’s the former, she of course does need to stop talking with the online bloke.