Hi Candice,
Your still young and have a lot of years ahead of you. It sounds like neither you or your wife are happy at the moment, it seems that both of you would appreciate change from the status quo. Your comfort zone is a place where you think you won't get hurt, but doesn't seem to be a place where you can be happy. I think it was our first or second date my wife and I had discussions about things we liked , things we had done, what we might explore. Crossdressing was not one of those things that was discussed, but was very easy to bring up later.

Unless yo take a chance to be happy, you never will be. Good Luck !