I don't have this situation - it is possible that I'll run into my T at the grocery store at some point, but that's about the extent of the overlap of our worlds.

If you don't plan to change T's nor change churches, then you likely feel comfortable with your set up? In a small town/rural area, the situation you describe is not usual and not specifically unethical. The boundaries just have to be managed with care, precision. If you and your T share a deep faith commitment, then it likely improves T's understanding of your principles, the way in which you seek comfort in your faith.

Wondering why you put that "eek" face on your post?