22 year marriage with only sex 4 times in last 17 years. Wife 59F, me 60M. What would you do?

We were never like rabbits, but after our sons birth 17 years ago, including his conception, we have only had sex 4 times. The excuses for not having sex have varied slightly through the years. What I think it really boils down to is she has eczema, and is very sensitive down there that cause her prolong irritation afterwards. That and she has such low self esteem that she doesn't want to be intimate. It has gotten to the point that, if I don't initiate hugs, we can go months without even that basic intimacy. We don't even sleep in the same bed. I will always love her, being she us them other of my child, but I am funding it increasingly difficult to accept being in a loveless marriage. The extent of our "intimacy" is kisses goodbye, or goodnight. I am at a loss, and the attention of a coworker recently has only exaggerated the problem. I don't plan on cheating on her, but am also torn about hurting the woman that I have supported for 22 years. What would you do in this situation? Wife 59F and I am 60M.