I am on the verge of having an affair?

I've been talking to this man who lives in another state. we've been having serious phone for over a month. he will be here for business from sunday thru tuesday a.m. i know i will be able to tell my husband that i am going shopping with the girls for the whole day on sunday. i am to meet him at his hotel. am i crazy? he is so y and sensual. when i hear his voice...i go crazy. i have pictures of him and he of me so we know what each looks like and i like what i see and so does he. am i stupid to go through with this? i am married for 6 years but with my husband for 14 years. we were a product of an affair. i am so torn over this.