Just thought I would update this, as I'm not relly sure how else to talk about it.
Definitely not racing this year, for financial and personal reasons. I don't think it would be good for me in this particular state of mind.
My bike has also been giving me trouble, and it's a struggle to keep it maintained. Another headset shot, and the frame bearings are creaking pretty badly. There's no play in them, so maybe I'm good for another while yet.