Don't do it, no good can come of it for an infinite amount of reasons. You never know where it may lead if you go balls deep with a married lady, kids or no kids. If you come out unscathed, you are lucky. Many married ladies looking for action are psychotic, you risk injury to yourself, her SO may do serious damage to you or her or both. The kids if any may become innocent victims. If the lady is in an open relationship, it may significantly mitigate your risk, but even then who knows where it may it may take you. If the married lady is an SP of which there are many, then that may be a different story as it is a pay/hour affair.