Bigger
Again your insight is invaluable. May I call you Master Yoda?
Yes, the real red flag are the pubic crabs. You know at first I wasn't sure what I had. I'm in my backyard frequently and have been bitten by fireants, chiggers, fleas, and host of other 6 or 8 legged critters. To make things more confusing for me, one of my kids came home with head lice a few months earlier. I figured they were head lice. I treated myself with the lice shampoo and really didn't think much of it. But, now I realize the head lice and pubic lice are two different animals/species. Head lice stay on the head. Pubic lice likes the pubes (and eyelashes too - a sign of child sexual abuse).
Plus, when I confronted my wife about the crabs and affair, her response was highly defensive (more like venomous).
I also agree with you about all the other things (the gym, implants, moodiness, secretiveness of her cell phone, not wanting to share password for her business account) are definitely not proof. To me they are some possible signs of infidelity. But, looking at the overall picture, I am very suspicious.
I really appreciate your comment about checking out what she is DOING. I have caught several of her lies. She tells me that she has to go to one of my kids school function for an hour, but the GPS shows she went directly to the office. And when she gets home she tells me about the school function and what went on there. Or she tells me that she will go to the gym and then to the store to buy a gift for a colleague who is retiring. The GPS shows she went to the gym and then straight to the office. The PI told me that she only had her purse with her (and not a gift bag). The GPS tracker has shown some strange behavior. Like the other day, she was leaving the office. I assume she was going to the gym. But, it shows the car leaving the office and then returning back to the office. But, instead of parking in the front of the building (usual spot), the GPS shows her car parked in the back of the office building. In the 3-4 years she has been in this office, I have never seen her park the car in the back. And she is not the type to look for different parking spots.
The weird thing was that she left the keys in the car and ignition running while I assume she ran into the building (VAR picked this up). I have no idea what this means. Maybe she left something in the office. But, I can't understand why she parked in the back. If I may jump to conclusion, I'd say she was meeting OM for the 5-10 minutes. But, I could be entirely wrong.
During most of the times I have placed VAR in my/her car, I only hear the radio (and a lot of road noise/interference). The place I need to put the VAR is in his office. As much as I would like to, I think that may be illegal.
There's nothing going on in her office (because her secretary is there 8 hours) and my WW will not get up early if she can help it.
I had thought about the polygraph test. Is this controversial? I know very little about the polygraph, but have heard some people swear by it and others totally discount it.
I was gungho about having her served with the divorce papers...until I read your post. I do very much like your idea of talking to her and getting the polygraph. If she refuses to do the test, then what? Does that mean I have my answer? Or could it mean she is in the camp that discounts the utility of the polygraph test?
Actually, is it possible for an honest person to fail the polygraph (because of nervousness)? I would hate to take the test and then fail it because I was nervous or sweating. How awful would that be?
About the beneficiary stuff... I was able to call my investment company and have it changed for both the retirement and nonretirement accounts. Now, for the revocable living trust, that may be a different animal. No problem changing beneficiary for my life insurance policy (in case my WW and OM decide to add strichnine to my diet - just kidding - I hope).
I appreciate everyone's advice and experience. For me I have to make sure I do this right. I don't want to rush it and regret it later.
You guys and gals are the best (and I do mean that).