A nice letter Kathy and good luck with it. If anything I feel you blame yourself too much. Yes you hadn't been honest with your wife but that is not uncommon in people with TG. They think marriage will cure them, only to find out the true horror of our existence.
I also realise that the USA 'culture' is far less forgiving than that of Australian society where the typical response is 'so?' This I think tends for people ask for some form of forgiveness that just plain understanding or at the least, acceptance.
I realise I walk my own path, as we all do, and we face our life in how we can. But I have never apologised to anyone for being me. Why should I. It isn't my fault, it is the biology of my existence.
Neither should you apologise for the awfulness of your life. You are a brave and outstanding woman, and that is obvious in how you conduct yourself at Susan's and is also reflected in your letter.
My best wishes too you and I hope everything works out.
Love
Cindy