Great race reports, all, and some incredibly gutsy performances.
FF, it's not Raynauds, but I had the same at a hot, humid IM (did you also have headaches and light-headedness?). I think it's hyponatraemia due to drinking relatively too much water and not enough sodium/salts. Having to pee every few minutes afterwards kind of confirmed the diagnosis! Well done for hanging on in there.
Don't be afraid to give your club rides a try. Sitting on other people's wheels can give you another 2mph.
And so what if you get dropped? It happens to everyone, you just need to figure out a way to get back on your own. If you give yourself a trial ride, planning to get dropped, you'll probably surprise yourself!