Determine when you think you want your (first) peak to be next year. Count back 28 weeks (6 months plus 2 weeks). That’s the latest possible start date for your theoretical plan, if you’re going to use Plan Builder to build a full base, build, specialty plan.
If that gives you, say, 5 weeks btwn today and your start date, maybe use the fitness you have now to ride unstructured for fun for 3 weeks, then have 2 weeks off the bike doing no more than moderate hiking, then you’ll be itching to get back on the bike.