Our brains are the biggest sexual organ. If something's off balance in our minds or moods, our libido can plummet to rockbottom.
I'm suspecting, considering the timing, that the divorce following a 19 year marriage was more unsettling than you realized. You're also under fairly high stress and not following the healthiest of lifestyles. My suggestion is to take more 'you' time, cut back on self-indulgences, and try to re-awaken the earlier, easy-going you.
Whatever works at calming anxiety, may prove helpful to you imo. And you may find at this point in your life (if your heart's up for using them safely) that a lower dose of erectile dysfunction drugs can make up the difference until you're fully back on your emotional feet.
Since you are gaining erections and ED is not your problem, I therefore suggest you avoid all ED drugs and supplements. I advise you to stop smoking to avoid any negative future health outcomes even beyond your current problem. Try to change your sleeping habits for the better, since that is the time our bodies heal. Here again, this would be for your overall health. Anything you could do to lower your stress would also be beneficial. Your checkup with your doctor is worthwhile, and you might discuss this problem with him at that time. It's possible that you may be experiencing some mild depression due to events of the past year. Obviously, this is not a diagnosis, but just something to ask your doctor about.
Never mind a T test. It will tell you nothing. Instead take a trial of Testosterone Replacement Therapy (TRT) and see what happens. That's the only way.
If a TRT trial has promising results you could see it as motivation to boost your testosterone naturally, through losing weight [your present BMI's 25.9, just into the overweight category unless your waistline's quite trim at say around 34-36"], and increasing muscle mass through resistance exercise. Weight loss plus muscle gain should also be heart healthy.
I think now is an excellent time for you to take a supervised stress test (treadmill workout hooked up to an ECG), to get a sense of just how heart healthy you are. A good indicator of your risk level for sudden cardiac death is your heart recovery rate (your heart rate drop one, and two minutes after high exertion), so I urge you to ask about that if you're taking a stress test.