After 3 - 4 years at this, I thought I was pretty much detached from the situation. I have just returned from visiting family for Christmas and New Year, bought myself a new car and I was on a high!
Now reading your thread, a carbon copy of mine and lot of other peoples situation. The painful memories have come flooding back.
Just to say you are not alone here, you have had some great advice, and you seem to have a good handle on things.
My thoughts and prayers are with you and all those on this board.