Bluer, thank you for your insights. I tend to agree with you that WH would not have come clean if his hand wasn't forced. That said, he did admit that his original plan when he ended things in February was to bury it and hope I never found out. Then, this summer, he had a heart to heart with our neighbor who was dying after a long battle with cancer. (He has since passed away.) WH said this made him reevaluate things and he decided he wanted to come clean. It may be naive to believe that, but I do remember him having the conversation, and shortly thereafter, he broke down and apologized to me for not putting me first, not taking care of himself as he should, and a number of other things. I remember thinking at the time that it seemed like a major overreaction for the things he was talking about, but I accepted it. Once he came clean for real, I asked him about that time, and he said he was trying to come clean then but chickened out. So, who knows. But again, I'm inclined to believe he would have buried it forever if he could.
As for the timeline of events, it pains me, but I do keep thinking more might have happened in our house. I don't think it could have been much, simply because we were working from home during the pandemic and they were never there alone because we essentially never went anywhere. That said, I do think it's possible he brought her back to our house when I wasn't home, after she was no longer working for us and I was traveling for work again. He did admit to meeting with her when I took the kids to visit my parents one time, but he said it was at a hotel. For what it's worth, our neighbors knew all the drama surrounding her leaving her husband (but not about the affair), and I think someone would have said something if they saw her there. (Not necessarily in a suspicious way, just like, "Oh God, what's she doing back again?")
The other reason I think the timeline is reasonably accurate is because when OW texted to make good on her threat after WH came clean, she said, "I need to come clean about an 8 month affair with WH." That aligns with what he told me about when it started and ended, as well as my initial suspicions about when it started. Obviously, I don't trust her as far as I can throw her, but if her motivation was to punish him for not caving to her blackmail threats, she would have no incentive to shorten the timeframe of the affair for my benefit. Not saying it makes it true, just one of the many things I have overanalyzed 800 times in the last few weeks.
I like your suggestion about insisting on having all the truth out now, so it doesn't come out in pieces down the line. I have sort of talked about that, but I haven't given an ultimatum about ending the marriage if something comes out later, after he has said he's told me everything. I think I will do that.
Regarding MC, I also have concerns about the fact that he lied during our time there before. Just to clarify, we are now seeing a new MC. The old one retired months ago, and we stopped going at that time. I have been in IC for several years for general anxiety, and it was actually my IC who recommended the new MC. I voiced my concerns about the whole process because of the bad experience last time, so she's aware of that and addressing it. The doesn't make me less concerned, but I like that she knows what he did last time. If I'm being honest, I have some pent up anger at our old therapist for believing all his BS. I know that's really not fair, but I feel like her job is to read people in these situations and she totally let him gaslight both of us. But that's another issue.
As for sex. Six months seems like a really long time, assuming we go the reconciliation route. Obviously, if we end up getting divorced, that's another story. We had unprotected sex for nearly a year and a half before he came clean. I know some STDs can be symptom free for that long, but assuming my blood tests come back negative tomorrow, I feel comfortable that I am safe medically. We agreed to do a follow up test in 6 months, regardless of where we are in our marriage. Why do you suggest waiting 6 months? I have heard some experts suggest 30, 60, and 90 days. (Obviously, it depends what you are comfortable with, but I haven't read anything about mandating that long of a wait. Curious as to how you arrived at that.)
I go through our finances regularly. I'm the one that handles most of the money stuff in our house. Always have been. From what I can tell, he's being honest when he says he only paid her one time secretly. (He had an Apple Pay account that he was mainly using to pay down an interest free computer deal, so I only checked outgoing payments from his checking account to the Apple account each month, rather than checking the Apple account itself. Apparently, you can also transfer money directly from there, so that's what he did, but I didn't see it because it just became part of the balance he was paying off over time. That all tracks, now that I have access.) The other payments I knew about, and we argued about at the time, but those were over a year ago. According to him, that's why he thinks her long game was blackmailing him to keep me in the dark, since he wasn't giving her money regularly during the affair. He says she paid for the hotels where they met, which begs the question - if she so desperately needed our money to afford food, how did she suddenly come up with cash for a hotel? I asked him how he could have possibly had the wool pulled over his eyes so as not to question that, and he didn't have a good answer.
Justanotherperson, I appreciate your thoughts and encouragement. What you are saying makes a lot of sense.
OK, I think that's all I have in me for today. Thank you everyone.