So, here's the question: do I just keep riding as normal till Sunday, or do I need to take a couple of days off before the ride? Or whatever?
No one knows.
In general - whatever routine results in you being rested for the big ride would be best. I guess the big question for many people - especially commuters is: If I skip riding today will I be too tense to sleep well?
In any case - stress and anxiety are the enemies of athletic performance. Whatever.....