Debussy,
I can understand your wife's withdrawal - an infant will drain a mother physically, mentally, and emotionally. If she was breast feeding, there's every chance she would have felt like a milk machine rather than as a woman, and it can take time for physical desire to come back - especially if she feels unattractive herself.
Add in what's going on in your life, and it's not surprising your marriage is struggling. I think that there's been some wonderful advice, esp re: counselling - if you have a moderator, you both may have a chance of clearing the air.