Patagonia, I've read your posts with interest for a long time and had similar life situation although not in therapy at the time. Im not in sessions with you obviously but it sounded like your T treated you with gritted teeth and grim tolerance. I hope thats not too harsh and not meaning to offend you if things improved, but if YOU feel its time, thats all that counts. My personal plan --and I told my T this -- if and when I terminate I'll meet in person to tell her. It will be short and to the point. But you CAN do anything: letter, email, phone or whatever. Good luck wherever you go from here.