@danbmoore,
Read it all
Good responses but mine are usually not the norm so here I go.
It is normal for a guy to fear, dread, and refuse counseling. Therefore you must refuse counseling as there is a reason we would feel like that. Counseling is a damaging endeavour for a man's pride and ego. Academia and spiritual realms downplay the importance of a male's pride and usually we have every reason to feel this way toward counseling. And usually when counseling is initiated it is at a futile stage in the relationship. Which indeed it clearly is. This sort of stuff I refer to in my book.
You pointed out clear cracks at the start of the relationship. These cracks do not go away and your dutiful action of taking a sort of oath to not leave her early on is unreasonable in today's selfish needs (as a good and essential condition) oriented world. One of the reasons why we have a good standard of living and not like in the Middle Ages.
There were things which attracted you to her from the start and visa versa. Those values you and her saw have faded over time and is a regular occurrence especially when married younger as your frontal lobe continues to develop by age 30. But structural relationship flaws were evident in your case. Individual event examples I read all the time but the answered are evident in the examples themselves. You and her have lost real love for each other, and this must involve sex. It is an evil act on the soul of a human to withhold and not seek sex from your partner. And the rationale used in your question to stay and work at is a condition of valuing companionship and security in the relationship versus love anymore. It does sound futile in your question. It's up to you whether you value the companionship or do you think you need to be free and flourish as we have a right to pursue.
How could I advocate you splitting one may ask? Well, stay and live miserably as you dreadfully say with a suffering consequence and possible escalation in mental health exposure. Or get out of such misery and find happiness where it could improve your wellbeing and hers by the looks. By her resisting if you choose to go is probably her own duty and sacrifice ethics at work which will continue to impact her wellbeing negatively also. Can you really love someone you aren't sure you love fully, a combination of values in the other which You can't bare loosing. And not being able to either initiate sex in a young couple is evidence to the no love side. Libidos might be low with you guys but a change to the magnitude you express signals the common clique as 'he/she is not into you.
Your decision as it's your volition. Always good to hear and read from others ey.