I told her that one of her problems is...
I can generally gauge what she'll do and I'm pretty sure that's how she'll react.
You don't know what her problems are and you can forget about everything you think that you know about her. You have no idea who she has become and why she's doing/done all of this. I know... you think I'm wrong. Brother, I've been there and done that and every single one of the gentlemen here are likely to agree with me.
You don't know who this woman is anymore.
And the real kicker... she doesn't, either.
"I don't know..." is all she can tell you because she really has no fucking clue why she has destroyed her own life... and the lives of all of those who love her.
Don't presume to understand her or this. You don't. It's going to take a lot of work on her part to begin understand her "surface whys." And then, she's going to have to dig deeper.
There is absolutely no point in going to marriage counseling with someone who doesn't understand herself! And the same, my friend, is true for you. Surviving infidelity, whether you D or R, is going to test you to the very core of your being. So far, you doing well. You've made a few mistakes. Man, every single BS makes all sorts of mistakes when it comes to this shit. They don't teach SI in college. At least, I never saw it in the course guide.
...most of it she never thought through to any real extent.
I had to laugh at this. Sorry. If a wayward every thought any of this through, they wouldn't have cheated. So, when she tells you she never thought all of this through, she's probably being honest. It's rather stupid and childish, but then again, so is infidelity.
You're extremely early into this "process." Keep your D plan ready to go. Go through your finances and see where you are, what it take to leave, get an apartment, separate all the insurance, etc... Have a plan of action ready to be pulled out a moment's notice.
And I'm sorry, man, really sorry to know what you're going through with her. It's hard to wrap your mind around. I know. So senseless. Such a waste.
Anyway... have your plans ready, step-back, detach and watch and see what she does. Words are going to meaningless for a while. My fWW says I love you and all I hear is jibberish.
Surviving this shit is going to be about you (and your kids). If your WW can take responsibility for herself and her actions, do the work it takes and reach a point of remorse, then you can think about things like reconciliation.