I'm going to jump in here, ToAdd my story.
I hope there's something in that can help.
I'm not sure exactly where I heard this, a shiur somewhere on this site, it went something like this:
The Yetzer Hora sometimes works like binoculars. At first, it’s like looking at the deed through the wrong end of the binoculars - "That tiny thing, oh it's nothing, you can do that and it won't harm you".
Then, as soon as you do it, the binoculars get flipped around and suddenly the deed is magnified - "What a terrible thing you just did! You're such a bad person!"
That's one sure way of seeing that you were set up. In reality, it was a very small thing, but afterwards, it became very big.
I think you set up a fence to protect yourself from slipping, then when you crossed the fence, your Y"H kicked in and started the guilt trip. He's only trying to destroy you - even trying to attack your relationship with your wife.
Guilt is one of his strongest weapons to try get us to fall. Look at how much turmoil it created.
Thoughts don't have any value in the real world until they are acted upon.
Our minds and imaginations are going to stray from time to time - that's okay - the big question is What are you going to do about it?
It was just a thought or image in the imagination that lasted a second or two - If you focus on it for longer, you will draw out the experience and make it last longer.
I suffered a great deal from this until I started seeing things differently, looking at the cold facts of the situation and looking at my attitude towards it.
I found that our emotions and responses are not dictated by the situation, but rather by our attitude towards the situation. I found the three A's helped me here: Alert, Avert, Affirm.
I'm going to re-write some of your post (in shorthand) to try demonstrate:
Stopped at traffic light, two pretty girls pull up for directions, I help them. I start thinking lusty thoughts, I feel bad about those thoughts, I shouldn't be thinking those things, feel guilty. Should I tell the wife…
That scenario could turn out like this:
Stopped at traffic light, two pretty girls pull up for directions, I help them. I start thinking lusty thoughts.
Alert! - I shouldn't be doing this.
Avert! - (distract your mind) - Son, what do you think about space travel? or I wonder how many layers of paint are needed to make the car shine like that?
Affirm - (praise) – Well done! You did the right thing by distracting yourself in time.
Ahh, now it’s a positive experience. You passed the test, well done.
Exactly the same thing happened in reality, but in your mind it’s a victory and not a failure, something you will build on and strengthen you rather than something that will weaken you.
P.S.
Whenever I see KOT, I think Kol Tov. - It's all for our good.