A reporter once asked the comedian George Burns how he kept his marriage to Gracie together for so long and he said, we never fell out of love at the same time. One of us was always in love enough to the keep the marriage going. Maybe your husband will carry your marriage until you fall back in love again.
Each person has to follow their own path and I have no judgement on anyone. But I do wish my husband had meant his weddding vowels - for better or worse, for richer or poorer, in sickness or in health until death do us part. This is one of those "worst moments' and I wish he had more staying power.
Have you considered counseling...or are you even interested in that? Adding on to what someone else said, things do tend to get boring and couples do get into ruts along the way. I was married for 9 years and we had our share of ups and downs once the "honeymoon" was over. I dont know if maybe this is what is happening and maybe you just need to find a way to reconnect, or if you just feel that the marriage is dead.
I too was scared to death of leaving...being on my own, having to fend for myself. It turned out to be just fine though. Don't be afraid of leaving...you can survive on your own.
If you're nervous more about the divorce process itself, well...it is hard regardless if its amicable or not. That being said, if wanting a divorce is what you want than you will do what you have to do to be free. It wont be easy, but dont be afraid. Mine was a mess, but in the end it was worth what I had to go through.