Sallyann16...I speak from experience here. I was in the exact same situation, for 15 years! I was very much in love with him and it wasn't until he walked out of my life that I realised how much it was destroying me. My whole life was him.
You know he will never leave or he would have already done so. I heard the same excuses as you have posted.
You know you have to let go, and it's not going to be easy. He will beg you to wait, he will again promise he will leave. It will hurt you alot for a long time, but you will one day feel so different and you will be alot stronger because of it. I promise.
It's really up to you. People said I wasted a big part of my life, maybe I did. Please do not waste anymore of yours.
Please keep us updated,
xx