How severe is your testicle/penis shrinkage? Does it vary day by day or stay constant?
Save for the genital atrophy, it is very possible that your symptoms could potentially be due to anxiety/depression. The mental issues you are having sound very similar to when I was struggling with severe anxiety/depression. My mental abilities declined to where I thought for sure sleep apnea had caused a hypoxic brain injury.
It could also be a complex issue where some sides are fin related, and some are anxiety depression. I think the likelihood of at least some symptoms being not from PFS is increased by the fact that it took 9 months before the crash (unusually long amount of time but not unheard of) and you mentioning it all starting with a major stressor in your life. Of course knowing depression/anxiety could be a big part of it doesn’t fix the problem, but it would certainly be much more hopeful and actionable if that were the case!