This was pretty much my wife and me every day before kids and we got too old and exhausted to try anymore.
15, 18, 20 years ago. I don't even know the math. Different lifetime, anyway. I don't really miss it, to be honest. The risk is not worth the potential consequences anymore, though I would have disagreed with myself in the past.
I have a former neighbor was is still like this in her mid-40s. If she got caught, what would her kids think? (Wait, her 18yo who she treats like a 5yo is doing more, so never mind.)