...and cheating never even crossed my mind, and I had opportunities years ago too.
Cheating never crossed my FWW's mind, either, until she was in too deep and didn't know how to get out. And the way out was not one she would have chosen; it's excruciatingly painful for both of us.
You think your love for your husband and respect for your marriage means you're immune to an affair? Unless you have extraordinary precautions in place for you to prevent it, you're more vulnerable than most people. You just haven't encountered a suitable target yet.
FWW & I have almost always had a great sex life. Good communication. Extremely affectionate. Devoted to our children and family, yet still going on weekly dates for 3+ hours and making sure we kept close to one another. We were deeply in love, according to both of us, and extremely compatible. Married young, learned to communicate early, and spent at least an hour a day just talking to one another in addition to our weekly date night. We really did spend the requisite time together and worked hard to maintain compatibility over fifteen years of marriage.
And FWW was still vulnerable to falling for another man simply because she gave him her time on a regular basis, and he was persistent in pursuing her.
If it can happen to a God-fearing, deeply-devoted-to-her-marriage woman like her, it can happen to anyone. It doesn't absolve her of her responsibility (there are always reasons, but rarely excuses) but it does provide an object lesson for how even couples who maintain their love for one another can be susceptible to an affair if they don't have good boundaries (read: extraordinary precautions) in place to prevent others from depositing too many love units.