I had similar questions, and based on the discussions on the podcast and flo podcast it comes down to stress is stress and your body cannot tell the difference. If you are in a stressful profession, mental/physical, you need to account for it in your weekly TSS.
With my profession, long physical shifts, I have found guess and check is the best method. I will try a week, too much? Back off. Not enough? Add a bit more. It’s not perfect, but it’s the best way for me. If you don’t account for the stress you just end up burning out.