I think id need 5 accounts just to keep myself busy with the RoT thats in effect there. If it wasnt for the RoT id be on seige. I just cant see providing invisible barriers to skill gains. Save for that and seige is realt realy kool!
Sounds to me like it is time for some new things. Try totally changing templates... Pick a template that you have not done before... maybe a pure bard, thief, or support healer? (no clue what templates you have)
You might also want to try shard support things. Create a public rune library, design and host player run events, adopt a new player/returning player (or a group) and train them up.
Honestly, I reached the point you were at a couple of years ago. I ended up creating a 336 book rune library, a full soulstone library, become a stratics mod (ok... maybe that was a moment of temporary insanity), developed player run events with Lady Sakkarah (now EA dev Regine), and buying out my neighbors to create a player run town with illusion-merged houses.
Even after 11+ years in game, there are still new things to do.
If all else fails... go try another game for a short while... it may well remind you why we all love UO so much!
Whatever you decide, good luck!