Well I do appreciate everyones responses so far, they have really given me things to think about. He is not abusive to me, or do I expect him to retalilate against me either, this would be his 2nd divorse with kids, so judging on his last divorse, I believe I will be okay.
I am having 2nd thoughts about it anyways due to financial reasons. I have a great deal of freedom right now financially and time wise too. If I get a divorse, I would need to get a full time job to cover medical expenses, plus I homeschool, and I believe their quality of education would be greatly affected.

Can I still stay married but be divorced in therory? There is no sex or emotional connection any more. At least stay married for about 5 more years until my kids can stay at home by themselves so I can work, or at least until they go to high school.
It just seems to me I would have to give many of the activities that have brought me great joy in the last couple of months. I couldn't afford the activities or have the time if I am working full time outside the home. I guess I have a lot to think about. How do you live with someone in a marriage which is dead? Do I see it as he is my roommate? An arranged marriage for the sake of raising kids. He is a good father, just not a good husband anymore.