It took me 15 marathons to get under 4 - last year and this year at Boston I finally did it. Prior to 2006, my marathons (2 to 3 a year) were all within 30 mins of each other - my first was 4:17 (2000 in Boston); then I did 4:03, 4:04; 4:10, 4:14....with my worst time being 4:38, best time 4:01. You get the drift. Like you twinmomrunner, I had no problems with distance, and my 10k pace was only 30 secs or so different from my marathon pace. I ran alone most of the time, did very sporadic speedwork, by myself, when I felt like it (which was hardly ever).
What I did was find a coach, which was much less expensive than I thought it would be. I did a combination of online schedules, with occasional one on one in person meetings. The schedules fit into my busy work/life. I ended up running less miles, but better training miles. I got much more all-round athletic. I did speedwork and faster long runs on a regular basis. My time this year was 3:57:54 at Boston. It felt great and totally worth it. I definitely could have run faster in different conditions.
I still run alone most of the time, because I prefer to train that way. Not being in charge of my own training schedule, though, was huge. I did every workout, (even when I didn't feel like running fast

. So that worked for me. Cost of the coaching service = approx. 20 pizzas

. That's my justification. If you can't do coaching, I think a reputable training program that included 1 day speedwork/interval training and faster long runs would work.
The intangible aspects of the coaching were 1. small mental/physical tips that got me through the final 6 miles of the marathon (don't look down...shake out my quads, do a high kick every mile); 2. I pushed myself out of my comfort zone.
When I qualified (finally!) for Boston last year, I took the fall of 06 and trained for a half-marathon, instead. Training for a shorter race helped a lot - I did a pr of 1:52 (my previous 1/2 pr was 1:57). I'm a 49 y/o woman, btw.
Sorry to ramble, but your post kind of told my story. Good luck - you can totally do it, if I did it.
Ellen