Can u not let your T decide? I assume you trust her, and you're prepared to be totally honest with her-tell her what you're feeling and thinking.
I'd say rather be safe than sorry.
Take a break from life
I was a bit upset when I asked T the same question and she pointed out a time about 6 months back that she felt I ought to have been in hospital. I really appreciate a T that can help us decide.
And if you're thinking that it may be time, go with your gut instinct.
Xx