Starfish, don't feel bad about choosing the shorter route. Emotional and mental stress work on the body the same way physical stress does. Yours has been ongoing with recent major events. Just do what you can now so you don't jeopardize the later goal. See how you feel the day of the ride and make your decision then. You can always do the shorter ride at a bit higher intensity. You'll still get benefit from that.

When I think about the way my body reacts to major life events, I'm empathizing with you. I've been there. Just do what you can but don't beat yourself up for changing your plans as you go.