L.R.
ADDED after you deleted and added that your husband "wants to spend more time with the kids" -- RED FLAG! He will be home with you and your kids all the time? Under your feet? He is going to try to control what you and they do, and you will not even have the brief respite of his being at work for a few hours each day. He is sick and your kids don't need to have him around all day trying to be controlling and judging them and especially judging you in front of them. Run. Now.
Original reply:
Your children won't have an "intact family" when their mother is dead.
You will be dead if he kills you when he's in a paranoid delusion, or if he kills you more slowly with AIDS or another disease.
It's time to give up on your own delusion -- the delusion that your family somehow IS "intact" at this time, and has been intact at any time in the past few years. It never was, and it isn't now.
You are placing your children at risk of repeating your husband's lifestyle; of being depressed, as you are; at being paranoid and narcissistic as he is; of being physically harmed or worse by a father who clearly is very ill.
You owe him NOTHING at this point. You are focused on gaining enough financial stability to get out You MUST forget that for now and simply take your children and leave when he is not around. Do not try to tell him or threaten him with leaving or work it out or be civilized or amicable about it. This is a situation where you must flee him as you would flee any danger -- immediately and swiftly. Why can't you see that?
You say you have talked to lawyers and psychologists. Now it's the day to get to an abused women's shelter and see their staff to ask them for help to make your escape plan. You need to get money; you need to pack up and hide the bags; and you need to grab your own kids before he does. Shelter staff have seen this all before and can help you make the plan and get to a safe location where no one will tell him where you are.
Then you will need a lawyer to sue for full custody of your children based on his mental illness, infidelities, fact he intentionally endangered you with STDs, etc. He is going to fight you and use the fact he makes the income to do that. Why is he going to leave his job soon? What is that about? Can you document that he is planning to quit for no reason and without another job to go to, to provide for his children?
Shelter staff. Good attorney with EXPERIENCE in helping moms who are fleeing abusive husbands (shelter staff can help you find such an attorney). Yes, attorneys cost money; ask for a payment plan over time; get help from family to pay or anyone who'll give it. And it sounds like you should be ready to involve police and get a protective order if he comes after you -- keep that idea in your mind because a paranoid delusional man is likely to pursue you.
Later, once you and your kids are safe, then you need to get to a psychiatrist to find out why you want to save a marriage that does not exist and has not existed for years. You cannot save what is not there. Save your children instead. If you stay with him just to build up some financial stability, all that time your kids are learning that mommy thinks it's OK to live this way and daddy is what normal daddies are like. They will repeat that knowledge as adults and live just like you're living now. Do you want that?
.