Very moving. Nearly all of us 'seasoned' citizens can relate. I made the decision to only play once a week when I resumed gigging, and I won't violate that. It's still fun, I still feel involved, but it still leaves me time to enjoy other things. You are soooooo lucky to have another great love (besides family) in your life (sailing) and that is so important during this kind of transition. The absolute worse cases of 'post employment depression' are among those who have no other interests (and won't pursue any).
Good luck with your new 'schedule change'. Now get back there on that PSR-help desk

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chas