Steve,
it sounds to me like you've got your head on straight except for when the old demons come out to play in your head .... and what Ruby and her pet have told you seems to make some authentic sense to you too and you're not having much trouble accepting their commonsense advice while you're here.
But you and we all know that some night when it's late, they're going to trundle out that old guilt bed again --
one option is to ask your lovely wife to punish you for what you've done wrong. But I don't think that will work nearly as well as the next:
print this thread out and read it for a reality check every time you get thinking crazy, mixed up thoughts.
her_Joe