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Therapy for you to figure out if you should even stay in the marriage, then therapy to help you through what ever you decide to do.
I know that you're right. I don't know what I would do if I went to therapy and we determined that the marriage should end. My wife's health insurance is through my work. My daughter would be wrecked. It is scary.
I feel you on this fear, but that fear can be aired in therapy. Therapy is ENORMOUSLY helpful. And, not to play the What-If game, could potentially have salvaged your romantic relationship had it been brought in earlier. (I do not say this to make you feel shitty, but so anyone else struggling may see it.)
My wife and I started therapy at the first of our communication problems. We figured we have our car in for regular tune-ups, why not our marriage? And our therapist was thrilled. He said he wished more married couples began the process when they still got along well, because it’s easier.
But it’s definitely worth it even late in the game. Getting an outside, trained perspective on navigating the issues you have as a couple can dramatically improve quality of life. Even if you never expect to be romantic partners again, it can make you work better as a team for the reasons you mentioned.
I cannot recommend couples’ therapy enough.