Hi Taharat Yisroel,
Emotional exhaustion? I hear that. The fight is hard.
Kares. Deoraisa. Derabanan. Personally, it doesn't really matter. I agree that we can't view ourselves as 'bad' people if we slip and fall. But nor are we doing the right thing. The one catalyst for growth, the only way to grow, is to never feel 'I'm O.K. where I am. I'm pretty well off. I'll tackle this, but if I don't get it under control, not so important right?' That sort of attitude will never work.
If you look in a Kitzur Shulchan Aruch, he calls this aveira of m 'the worst aveira in the torah.' The poskim speak out this is not really to be taken literally - its not actually the worst aveira. But because its so easy to slip into, and so hard to get out of, the Kitzur Shulchan Aruch was trying to keep people away. Trying to scare us. Sounds pretty bad to me.
You mention 'can't really ruin my future.' I dunno, I doubt our future wives will be thrilled at the idea of just m either. Could be you are right. It doesn't give us a warped sense of intimacy that p does. But later in life I'm sure we'll look back at this time, and if we didn't break free, we will regret it.
To sum up, I'm not saying we should walk around all day moaning sighing and screaming gehenom! Suffering! etc etc. What I am saying is if you have no motivation from olam hazeh, and no motivation for olam habaah, then what is your motivation? Because if we kind of wanna break free maybe, we'll never succeed. Wen need a solid motivation. Why do I want to break free? No, why must I break free!? And then with discipline and siyatta dishmaya, we'll get there.
I hope I understood you right. Let me know.
Much Hatzlocha.