Sessions feeling harder than they should

[ChefAcB]

Maybe it’s because you’re doing more of a light tempo session than an endurance ride.

Trouble with Threshold workouts

Make sure your endurance days are actually easy and not 75% of ftp. Especially since you say you have some life stress. If I ever do a TrainerRoad endurance ride, it’s usually a PL of 3 maybe 4 if it’s over 2 hours.