Have you ever read Shining Through, by Susan Isaacs? (Yes, I know they made a movie, but the book is completely different. Also better.) It probably falls more into the category of 'women's fiction' rather than straight romance, but the characterization's great and I bet you'd like it. And it does have an HEA. :) Oh, and it has all of what you required, in spades.
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Have you ever read Shining Through, by Susan Isaacs? (Yes, I know they made a movie, but the book is completely different. Also better.) It probably falls more into the category of 'women's fiction' rather than straight romance, but the characterization's great and I bet you'd like it. And it does have an HEA. :) Oh, and it has all of what you required, in spades.
(Sorry for the edits.)