Your logic is calculated and solid. These are real concerns and questions that I struggle with in my spiritual journey. I too think “love” is used quite ubiquitously. However I still yearn to feel it and spread it.
Many in these comments have pointed out further study needed and “flaws” in your understanding. You, like I, see what others don’t want to see. My only addition to their voices is to maybe look into pluralism as a counter to the monist solipsism that you critiqued.
In my view, I identify with the “God-in-us-all” philosophy, but I don’t necessarily place a higher reality in God. The muck and dirt of this world is just as real and perfect as “our Father in Heaven”. As above, so below. Neither has precedence in reality or virtue or perfection. Life is a beautiful, wonderful, terrifying mess.