I wouldn’t classify work effort as training load, since it’s a different kind of stress and isn’t going to improve your cycling fitness.
What I do is use an app called HRV4Training. There are other similar apps out there. Heart rate variability (HRV) is a good indicator of overall fatigue, state of recovery and readiness to train. You do a 1 minute measurement each morning, using either a HR strap or the phone’s camera to measure HR via bloodflow in the finger (I use a strap, found the camera method too inconsistent). You then get an overall recovery score. The good thing is that the app will automatically sync up with Strava, TR, TP, Garmin, etc to get your training sessions and TSS, and also allows you to capture details about non-training stress e.g. record your sleep quality, whether you’re sick, if you drank alcohol the night before, etc. This means that over time you can figure out how much those things are impacting your recovery, and adjust your training accordingly.
I’ve found it pretty useful. My recovery fluctuates in line with training, but then you can also see the impact of illness, having a few too many beers, long haul flights, work stress, etc. Some of the results were pretty obvious - really confirmed the important of sleep to me. Some were more of a surprise - travel takes a much bigger hit on my body than I’d realised, even when it’s travel that I’d thought was fairly low stress (e.g. business class, day time flights, sticking to soft drinks, etc). In terms of actionable data, it’s helped me to back off the training when my body isn’t up for it, whether that’s caused by work stress, oncoming illness, a big training session, etc.