Hold on a second, you live in San Diego and are complaining about it being dark and cold and you can't ride and you're considering a trainer? It's Winter, days are shorter, temps are cooler, adapt brother, adapt. Get some lights, find a safe road, buy some Assos clothing, don't let anything stop you. Some of my most brilliant rides have occurred when the conditions create a good amount of tension: find a way to embrace, love and rise above it. Who cares if you get home late on your riding days, that's half the fun. Break your routine, do something different, shatter boredom. You said it first: life is passing you by. Eat a late lunch and a light dinner. Get out there and ride.

One bit of advice you're probably not thinking about: for your Winter rides, pick up the pace a bit, make them more peppy, get that heart rate up and keep it up. You're going to be spending less time on the bike so make the minutes count. Get a copy of Fast After 50 for more details.

https://www.youtube.com/watch?v=lhGqugHuAyQ