I'm in my mid 40's and currently unemployed after a life changing event a few years ago. I've been playing Rift a little more than year after playing WoW for about 6 years.
I've loved most things about Rift from day one. I've only been in one low activity guild for a short period of time. I'm quite reclusive and only play with my brother these days. We play for about 2 1/2 hours on Friday and / or Saturday nights starting between 7:30 and 8:00. All we do is run the three Chronicles on our Guardian then Defiant toons.
Dull... yes, better than our previous worn out WoW raid grinds... somehow yes.
OP, I also agree that you seem to be managing your time very well.