Chiming in a little late on this....
I've been reading all of this w/ great interest. I have a VERY low libido. I workout 6 days a week, have a very stressful job that I do from home (DH and I are self-employed), and am a SAHM of 2 young girls. I have lots of energy in the daytime, but by the time I get the girls to bed, workout for an hour, do paperwork for a couple hours, it's midnight. I start my day at 5. When you go to bed and know you only have 5 hours to sleep, an orgasm is really not that important.
I really agree on what Nancy said about GET TO BED EARLY! Unfortunatley, where we are it's much easier said than done. It's been nice to read that others are going thru this too.