Just my observation but here's what I have noticed
outstanding mix of truth and humor, Dave.
This presents validation for the notion the Last Days Church will explode in numbers ... and in very small "congregations." Homes.
I'll testify to part of what you wrote above ... but not from a "neeyah" perspective, but from recognizing the separation problem.
August last fall (and if I posted this before, please forgive me) ... I was one of 3 men asked to "substitute" for the Pastor's vacation which included Wed Night Men's Bible Study. I was the first sub and had recently committed to re-engaging (though the pastor and I had walked through fire at our previous FBC, so hold yer fire on "can't believe this guy gave the reigns to a newbie")
Delta was raging ... and I couldn't direct the conversation to remain on the topic of the study; 1 Cor. Every effort was met with more commentary about the deadly cv19 ... or the stupidity of people refusing to get the cv jab. There were two guys there who'd I'd known long enough they knew where I was on this virus/jab. The others didn't know me from Adams Allfox. One of these gentlemen was an Air Force Vet, quite senior to me, and used his experience as "proof" the vaxes are safe and effective.
I finally couldn't resist any longer and simply said "(Tom), none of those vaxes you and I took to be in mobility status of Uncle Sam's Aero Club is like this one. Not a single one."
That pretty much did it for me. I realized I wasn't going to be able to worship with these guys nor certainly facilitate any teaching ... because it got personal. I've struggled ever since Pops passed 5 years ago with being "a member" My wife has benefitted greatly so it's been easier to simply have scheduling conflicts with work --- which isn't a big stretch.
So I still love my pastor and support/encourage ... and even volley a correction every now and then ... our relationship isn't nearly as close as it was when we were being attacked by the enemy at the previous church. IDK ... between the adjustment to losing Dad, the learning in greater detail ... and DIFFERENT detail ... of what The Bible says about the End Times ... then this pestilence, society's response, and its effect on congregational unity ... well.
it is what it is. We are all each other's grace training aids and I try to remember that. But as the OP outlines ... there are differences which inhibit worship and that's the primary reason to gather. If we can't fulfill our primary, then ... well ...
House church. It's not what I'd have "dialed-up." But what I think is best isn't always.
thanks for the opportunity to review from this "Cross Timbers Texas" locale.