Do you not understand you are part of the cowering when you stay home?
Unless you live in a very sparsely populated area, I am sure there is a church that did not bow the knee within an hour’s drive. Go worship with them and build the faithful church.
I have to agree with zeugma, plus there are other factors that figure in to my situation. I won’t go into those factors here except to say that getting up in the mornings has been very difficult when one suffers from Long Covid. Plus I’m finding out that not many churches have evening services, which for me would work out much better. So I also have to resort to personal study, and listening to the few biblical sound ministries that I can find (Rejoice in the Lord, Into His Likeness, etc).