Oh man, this.
I think you're on to something about the bonding. You'd probably have had a little fun with them for a day or two before getting down to business. You and they both missed that. Besides, you have had a ton, make that several tons of personal concern on your plate. This isn't your year. Next year can be.
I wasn't burned out when I retired, but I had passed my peak with this congregation. If I had had to hang on for even another year I'd have gone crazy(ier). We have a generally open job market. But in practical terms once you pass 60 no congregation will give your application a second sniff. The only alternative is to stitch together a series of long-term temporary positions with diminished authority in marginally healthy churches. No thanks. I did a bunch of that mid-career. Didn't want a repeat.
Teachers are forced to hang on because of the way the salary schedule is structured. Kind of the same thing, after a certain amount of time and a certain age, nobody is going to want you and you're stuck where you are. I really kept that in mind about 15 years back when I had an offer from another school district to jump to theirs. They were going to bump me up two years on the schedule to get me over (to match what I was already getting), and their salary schedule was loaded on the back end so that by the time I retired I would be making 20K more over there. I didn't go because I didn't want to get stuck. I was already 40 and wouldn't really have the option of shopping myself around much.
Glad I stuck it out here. Our district got sick of losing teachers to that district and started adding money to the tail end of the schedule to make it more attractive to stay in teaching and more importantly, stay in our district.