Dear Sue,
It sounds like you have an excellent counselor and have found out there are a lot more deep seeded issues for you to deal with than you realized. You've got a lot on your plate.
My heart goes out to you too. I think it's so easy for people to say what they would or wouldn't do until they're in that situation. You have to do what is best for you. And in time, once the dust clears, I'm sure you will make that decision.
I have been in counseling for various life changing events in my life (a previous divorce, my Mom's death) and it helped me so much. I pray it will help you too.
Love,
Shelley