I share your concerns regarding CTB and they surely play a role in discouraging me.
I have been through worse in life, but it feels like I am at a point where my soul is too worn out to handle everything. Still, I would like to see what's around the corner. Perhaps the longer I stick around the greater the chances of meeting the right people, finding the right work environment, being able to get proper rest and leisure. Who knows... I also think about relatives that would suffer if I CTB.
An interesting thought is that even if I don't have the life I would like, the reaction doesn't have to be CTB. If you stop caring about what others think and how they live their lives, you can think of less desirable but dignified alternatives for life. Sometimes, having that cup of coffee while sitting on a bench in the park and finding peace in watching trees and pigeons, feeling the breeze - that's not a bad reason to keep living.
Yesterday an elderly person sat down next to me. She was so kind it made my day. We were like kindred spirits, sitting on that bench, speechless, but sympathetic. She treated me with all the respect when asking if she could sit next to me and when saying goodbye, and I retributed. Yup, there are gems among stones.
P.S.: I just remembered something from the past. At times I've wanted to CTB wholeheartedly. I didn't make any attempt as it seemed that the thought itself provided some relief. A few months later I would think that not trying to CTB was a good decision. So, can I really trust my mind on this? If not, I better keep going and trying to figure things out, even if painful.