LP-This is such an interesting thread topic. I am 38, my hubby is 42 and bd was Oct. At that time my kids were 4,7,12,14. So I fit your category.
The rules on this site say to live as if they are not coming back. Protect your finances, focus on yourself and your kids etc.
For myself personally, I consider myself a stander to a point. I am not planning on pursuing a divorce and will stay in the marriage so long as it is in tact. That said, I have protected my finances with a separation agreement and staying married is financially to my benefit. The kids are no more exposed to the MLC crap than they would be if we were divorced, and my boundaries(as per this site) are firmly in place. I demand respect and enforce the boundaries.
I am healing and detached from him, wanting nothing of who he is currently. I am however very traumatized and would be either way.
I very much so believe for me standing really means healing, growing, focusing on my kids, and forgiveness. I am not a forever stander. In two years he will be relocated(he plans to divorce me, and I plan to fight for me and the kids financially. That said, if he pulls an MLC and does not divorce me, but still does not want the marriage, I will divorce him. As FL has permanent alimony and TX does not.
So to me when this site says protect yourself financially, that can look different for each of us.
Also, protecting our kids is different for each of us. My husband is still somewhat being a good Dad. I guess as much as an MLCer can. We are military and as soon as we divorce I lose healthcare, and me and the kids will get kicked out of our affordable base housing. The kids would then be moved to a different state from their father. So, by staying, I am putting them first. They need time to work through their Daddy issues and that is so much easier living in the same area.
The number 1 reason I stand is for my kids, not myself. I would be gone if not for them. But, I can see how if the rules of standing are not in place it can be very damaging to all involved. I want my kids to see me as a strong capable woman who is willing to have compassion and work through a bad situation.
My husbands mom had an MLC, and tried to come back after two years. She was denied. Now she is accountable for her actions, but I do believe had she been allowed back she would have been strong enough to heal. Instead, she went on to hurt her kids and her kids spouses until this day. She married 4-5 times, is broke, sick and still lives in a fantasy. Because my husband never healed, he is repeating. Their is no one sized fits all answer for the best approach. In my situation I have seen both sides. Also, in my situation my kids will live in a different state from their Dad if he does not come home in the next two years. So the stakes are high.
I could tell several more stories of how divorcing the MLCer still ends in tragedy even if the lbs finds a good new husband. Because the kids connect some of us forever and so long as they are crazy, it will hurt the kids. I am only trying to limit that hurt. I do accept either outcome(divorce or reconciliation), and believe either will have severe challenges. Biblically, I do believe if we can fight for our marriage, we should, but it takes two, and at a certain point, I will move on.