Damn...I just passed the ten year marriage mark last month...
I admit I'm afraid to get a divorce for many of the reasons/myths you mentioned.
I was raised by a single parent, so I really want my kids to have a two parent household through high school even if things aren't all sunshine. And we rarely argue in front of the kids, so they don't really have a sense of our problems.
And of course the financial penalty would dramatically reduce my lifestyle and I would basically have to start all over. Right now it's much cheaper just to see escorts and goto AMPs on the side rather than paying thousands of dollars in spousal/child support per month and losing half of my assets.
The California divorce laws encourage me to cheat.