What do you guys think? 💔

So I found out my husband (married 5 years, together 12 years) had tinder (saw it on his phone as he was showing me something). I was shocked but not sure how serious it was so I downloaded it and made a fake profile. After narrowing my location to 1km his profile popped up right away and I matched to him. We started messaging and my heart started breaking. He said he was in an open relationship, that he was bored of the sex and it was too much like work (been TTC for 8 years with one loss). He also really wanted to go down on this fake girl I had created. This hurt because he refuses to go down on me, even if I shower and shave down there. He just says he doesn't enjoy it and I shouldn't force him to do something he doesn't like. Well, turns out he just doesn't like doing it to me. After a week of back and forth, we had a meet up planned for Valentine's Day at 1pm (while I'm at work). I was sooooo sad and hoping he wouldn't show but he did and of course thought the girl had ghosted him. I finally confronted him about all of this on Friday, and he said he would never cheat on me and that he knew it was me catfishing him. I don't believe that at all. Now I dunno what to do. We've had a really bad month (he got laid off, I had a minor heart attack, off work for 12 weeks, he got in an accident with our truck, and we also just moved into a new house and took custody of his 15 year old nephew a month ago) so needless to say, we're in no place financially for a divorce or separation, and I'm feeling so horrible medically and just stressed about everything. What would you do if you were me? Is this cheating? Is this enough to divorce over? Should we do a trial separation with both of us still in the house until we can figure things out? I'm such a mess. 💔