And I’m saying you can’t sell me on the psychological aspect because of how Voyager failed to live up to its premise.

At that point we'd have to consider the psychological ramifications of not only not returning home for years,

See I guess for me no Starfleet character has ever felt at home on earth. They’re ties to it seem tenuous at best, so it’s hard for me as the audience to empathize with them not being home.

(plus the addition of being in unfamiliar territory without any 'backup').

That’s a common scenario for many ships in the series. Also, it really doesn’t click with Voyager considering they hit the reset button at the end of every episode. Like I said if they had changed up the narrative, then this could work. However, as is Voyager is just additional seasons of TNG with different aliens and without the same cast.