OP, I understand how you must feel. It's like on one hand, you crave that
excitement that you used to feel when you were younger

. I get that. And then on the other hand, you know if you follow through w/this, the guilt just may eat you up. But then if you do not follow through, you will always wonder...
What if??!
Honestly, this is a tough call.
I think you have just been married a long time and things are just comfortable, routine like now. And you are craving some excitement. Some pizazz in your life. That spark, that that......That giddy feeling again.
After 22 yrs of being married, I am not surprised that doesn't exist anymore w/your hubby. And no, if you do proceed w/this affair, this doesn't mean you do not love your spouse. It just means you are looking for something extra to spice up your life. Honestly, I do not blame you and think everyone needs to "shake things up" every now + then.
From reading your posting, I am pretty sure you already
know just what you are going to do......