First and foremost you need to stop with the online chatting immediately (I've been there). And, then you need to open up the lines of cummunication with your wife (without telling her about the online escapades). You need to be able to express your feelings about the realtionship and explore why you are bored. Are you bored in your physical relationship, or do you feel emotionally distanced from her?

Counseling could help BUT you have to be sure to get the right therapist. You need a therapist that is experienced in dealing with relationships, but more importantly one that will be very direct and one that is looking out for what is in both of your best interests.

From my experience cheating of any kind is not the answer, it only makes the situation worse. Much worse. It is always easier to salvage what you have, and I think in most cases it can be salvaged.

Good luck.