Hi Woody,
Yes it is a tough call. I've been married for 28 yrs and I'm now just about FT, but my circumstances are unusual. My wife knew about my TG before we got married and I was able to be me whenever I wanted.
We never had children which was a good thing in a way. I think you have to be honest with yourself and your wife. It is incredibly difficult but these feelings don't go away and at some time you may be in a situation with children a wife and needing to be yourself and then everyone gets hurt.
The advice we usually throw in is to see a gender therapist. But I think you need to talk to your wife as well, she has committed herself to you thinking you are a guy, and you may not be. There is nothing wrong with that, I'm not a guy either, I'm a woman with some birth defects which are being treated. But she may well be expecting the full female lifestyle of a husband to father her children and to live in the 'typical' male - female relationship. You may not be able to do that.
I'm sorry if that all sounds a bit negative, but we have to deal with the bad things in life as well.
Hugs and Love
Cindy