Hours of pleasure aren't worth years of pain. Especially if you got kids.
If you have a good relationship and family it's not worth the risk. I don't care how fine she is, how hard she's throwing it at you, or how many steps you take to make sure no one finds out. The juice usually isn't worth the squeeze. What's more important is addressing (with your partner and a therapist) why you're tying sexual conquest to personal validation.
That being said, the dudes in here talkbout they don't masturbate be the main ones beating off to weird shït.
Let me keep it 100% real for a second, because men don't talk about sexual health nearly as much as women do.
Don't feel ashamed to beat off every once in a while--and be 100% honest about it with your girl. It might keep you from doing something stupid. It's also an effective stress reliever, pain reliever, and STD-free.
It's a problem if you're doing it everyday, multiple times a day, of course. At that point it's an addiction. Just be honest about your sexual preferences with your girl--ALL THE WAY HONEST--it'll only help your relationship.