Short answer follows assuming no medical issues...

You are clearly overdoing it and need to take a full week completely off the bike.

Until you can establish a baseline intensity, duration and frequency that works for you, I'd start with the following:

• Drop the distance and speed of your 40 mile rides. You should feel BETTER after your rides, not worse.
• Reduce your hours per week to 3-4 hours. Three would be better to start.
• Begin closely monitoring your...
  • resting heart rate
  • stress (or in your case just anything you can do at least cope better with the stress)
  • sleep quality (or in your case just realize that low sleep quality ==> slower recovery ==> need to reduce workout frequency)
  • energy (you shouldn't feel depleted by your workouts)
  • appetite (any unusual changes, especially excess craving of carbs may signal an issue)
  • mood (you shouldn't be more cranky than normal ; instead your mood should be elevated from workouts)
  • motivation (loss of motivation is indicator that you're overdoing it)
• Ride the same route for your long ride and look for a steady improvement in relative heart rate (over time due to varying conditions outdoors) before increasing speed or distance

Feel free to PM me with any questions or when you're ready to move indoors.

With a smart trainer, the right metrics and a bit of knowledge, finding the right combination of intensity, duration and frequency can be surprisingly straightforward.