Sounds similar to myself on many levels, including the now partially disabled wife and being a working home-maker. I spent a good 30 years "Getting By". I managed to do so using what I call the 3D's; Diversions, Distractions, and Denial. Not that I realized any of this at the time. Looking through various threads this is a tried and true technique.
A gender therapist can help you sort out where in the TG spectrum you really do fall. There are plenty of hetero cross-dressers in this world with plenty of variations in the level and frequencies of dressing. Though I tried hard to convince myself I was a CD++ it only worked on my wife. Deep down inside I always wanted a female body, been on/off HRT several times, hated being a male, etc..
If you can, try to get to a few hetero-CD support group meetings if that is where your gut is telling you you belong. Any TG support group is better then none I think. I avoided them totally untill I hit bottom. I was totally floored during my first meeting. After the third I knew I needed to be there and to let my wife know what was up. At the time I was living some 350 miles away for work. She always new of me being TG. THis was a major escalation. Plus plenty of fears and jealousies since I had a history of dating TS women. This support group, the closest one 90 miles away, consisted mostly of TS women. Her other fear was put as "If you hang out with a lot of swans you'd likely to start thinking you are one also". But this was the closest support group. Next closest was some 3 hour drive away.
GD can, and often does, peak at times of high stress. My perhaps monthly need to escape maleness would jump to weekly or more. Only you can judge just how well your coping mechanisms are working. These peaks sometimes led to me starting low dose HRT just to get that badly needed emotional reset, after which I stopped and was fine for years afterwards.
At the end of the day, transition just as any other life decision is a matter of compromise. What do you gain vs what will it cost. With cost going way beyond monetary but is also a major factor. After six years of taking on the trans beast for real, achieving my life long dream of being seen as and accepted as a woman, finally feeling happy in my skin, being at peace with myself, the decision to go full-time is harder then ever. How much better will all of me be? The only thing really missing is feeling totally genuine by always presenting as Joanne. But if that ultimate costs me my career, a fun job, my wife, my home all that I have worked hard for and FINALLY feel I have rightfully earned; Is it worth that cost?
My wife feels, as I do, the others happiness comes before our own. She does not want to stand between me and my happiness anymore then I want to stand in the way of hers. She is more than pleased about the personal growth I have accomplished these past six years. What I am doing is certainly far better than the misery I was causing her in the past. I don't feel that I need to go full-time. If I did her reaction will be that it sure beats finding me hanging on a rope from a rafter in the garage.