Not saying people are lying; but it's weird how much it varies from person-to-person.
I was going to start typing about the things that take me past that point, but... you're in such a good place. I don't want to ruin it :)
I'm currently enduring that now. Unfortunately, I cannot just quit. I and my child have very expensive healthcare needs now and I need to be picky about the healthcare offerings. It's a very slow search because I'm at the top of what I can reasonably expect for what I can give. I can take jobs with more responsibility and excel, but at the cost of my child's health, so that's out. I won't trade pay for her care. I've looked at dozens of insurance plans from perspective employers and reminded myself why I took such a dull job. I'd take a significant pay cut to move anywhere else just from medical bills.
So, I sit at this job bored and apathetic. It's a slow march to burn out. From an outside view it doesn't make any sense to take a new job. This is the trap many of my friends fall into. But burnout isn't always about if a job is hard. It's mostly about how it makes you feel emotionally which will trickle down to physically eventually.
You've experienced headaches, but never experienced a migraine.
When you get a headache you can just pop an over-the-counter pill to numb it out. Migraines are a fundamental neurological shift orders of magnitude more debilitating - that Advil would be like a drop in the bucket.
It sounds like you have a healthy relationship to work - keep doing whatever you are doing that is keeping you fundamentally mentally healthy!!