I've always been skeptical of carb loading too. It's like, yeah, you need energy, but do you really need to stuff your face with pasta the night before? I've found that a balanced diet with plenty of complex carbs is all I need. And let's be real, if you're not adapted to processing all those carbs, it's just gonna sit in your stomach like a brick. Carb loading might work for some, but it's not a one-size-fits-all solution.
I've been in similar situations before, and for me, it's about being realistic and setting achievable goals. Forget about trying to follow a traditional training plan, and focus on getting in whatever quality miles you can. I'd recommend prioritizing your long runs on the weekends, and then fitting in shorter, high-intensity sessions during the week. It's not ideal, but it's better than nothing. And don't stress too much about burnout - you'll get to the finish line, even if it's not a PB.