I've thought about writing this very post for a while now, OP... I hear ya'.
Osteoarthritis is destroying my spine at a fairly early age. (50 now) I had the first of what will likely be a series of fusion surgeries last year, and bounced back... only to start losing the feeling in two more fingers this year. To say nothing of what it feels like after 8 o'clock at night when I don't have a bass guitar over my shoulder playing a 3-hour brewery gig. (try to imagine a little troll riding piggy-back, chopping at you with a hatchet right between the shoulder blades) I played every single gig this Summer, worked out my notice with the guys, and hung it up until they can fix me again. It's been absolutely soul-sucking, and heart-breaking. I'm a bass player. It's an identity, who I am, and what I do... and I can't do it anymore. I had a rockstar neurosurgeon who fixed me up last year, and he's back on the case now, so I'm holding out hope for one more shot.
I might be done in 2020, maybe it'll be longer, but I'm just not ready to let go yet.