Hello Ryan & Welcome.
I can tell you my thoughts, but only you can decide what to do.
Sometimes people get involved with the wrong person, and then find their soul-mate, after it is too late, and they are already married.
Sometimes lonely women, whose husbands are away, get a lift from being found attractive by another man.
Sometimes people have secret affairs.
Some women bury their new-found feelings and stay loyal to the man they married.
I do feel that your friend may be right about not missing out on your one true love.
On the other hand, I think that following up on this could result in a lot of people getting very hurt.
To me, there's something a bit sordid about having affairs.
However, I have read of couples coping very well and happily with such relationships.
Her husband is away fighting in a very frightening place. I am assuming that he is a decent chap. She is probably missing him. They may or may not be truly compatible and no-one knows what will happen to their marriage long term.
But consider ...
You say that you are a moral person.
Do you want to have an affair?
Do you want to be the person her husband blames for the break-up of their marriage?
Maybe their marriage will break down with or without your help.
If you are really meant to be together, then, maybe, one day you will be.
But you have got to ask yourself whether the excitement of being with her will make up for the guilt, etc, that you are likely to feel.
Only you can decide what to do.
You might like to look at these threads:http://www.wineintro.com/forum/ubbthreads.php?ubb=showflat&Number=341453#Post341453http://www.wineintro.com/forum/ubbthreads.php?ubb=showflat&Number=341459#Post341459