I think the real key to most mental distress can be found in how we interact (or don't) with others. I notice you make no mention of that. You may be spending too much time inside your own head, due to lack of social connection. Even people who are schizoaffective need human warmth in their lives. So do people who are prone to psychotic episodes. Contact with therapists and doctors is no substitute for having contact with loved ones. In a way, contact with professionals is the most artificial kind of social contact that there is. It does not, and cannot, make up for lack of meaningful relationships.

If the professionals are not addressing this issue with you, then they are wasting your time. Simple depression can bring on just about everything you describe. Or you may warrant other diagnoses, besides depression. Don't get too bogged down on what label to put on all this. The real question is what to do about how you are feeling. That's what the professionals should be focusing on.

You sound intelligent, and a bright mind can go to a lot of weird places when it is not occupied with meaningful engagement in life - with other people and with something constructive to do. It's good that you are observant in such a well organized way (which, by the way, is not typical of psychotic people.) It may be time to start analyzing your life, instead of your mind. I get the impression that you have the capacity for a much more rewarding life than you are experiencing.

When a bright mind does not have something of interest to focus on, it starts to focus on itself in a way that I describe as sort of like cannibalizing yourself. You chew on yourself because you have nothing else to sink your teeth into. That's my theory, anyway, for whatever it might be worth. I've had these diagnoses of BP II and BPD suggested and retracted over and over again. I don't know if they are right or wrong, but I do know what kind of circumstances lead to me feeling better, or worse. I'll bet you do too. Give it some thought.