I am glad that you have had two answers to your specific question from the experts on the forum.
I would like to comment, as a non expert, hopefully constructively, but less specifically to your query., more responding to the anxious distressed 'flavour ' of your post. There is suffering here. Do seek help. You will be understood.
From reading your post it seems that you definitely are experiencing significant severe negative mood , with ideas of self harm, triggered by external stresses.
As Christina suggests, that surely warrants urgent thorough assessment by a sympathetic psychiatrist so a plan towards relief, can be put in place.
You owe it to yourself....
The plan might well be a combination of de-stressing meds , tailored to your needs and some listening therapy for example. You have great insight . It seems likely with your FH that you may have sz/ bipolar spectrum tendencies under stress.
Best to avoid the trauma of a full blown flare and have some defences in place.From my understanding this approach can sometimes avoid a big guns approach of crisis management and reqire lower dosage of meds.
Good luck,
Chris
UK
retired doc (non psych)
Family member has untreated episodic psychosis