Your wife may be using the morals as an excuse to cover up other concerns she has. The husband and I are in the opposite boat - I'd love to at least try opening things up but he is worried about the repercussions to our relationship even from a one time encounter. Could your wife have similar concerns? Is that something you have discussed? That seems like the bigger issue that she may really be having- trust in yourselves and your marriage. The problem is its kind of a circular argument - you don't really know whats going to happen until you do it - so we are just continuing to talk and fantasize at this point until we figure it out - or maybe some lucky drunken coincidence occurs!!!!