I used to do the same as OP: Check LFM, check guildies, check AH, log off.
Now I don't even do that anymore, after about 3500 hours used and 4 years played... I've stopped playing it completely. The killer was U19. Now that:
1. I don't have really a good build anymore to play with (THANKS FOR RUINING TANKS AND FORCING TO TAKE HEAL SKILL WITH HEALERS),
2. no endgame to run in and no enthusiasm to TR and level up my characters and
3. No players to LFM the less played quests or mid-high levels (most notably lvl 9-15 and 18-19)
I have no desire to log in. OP has a point: There is no endgame anymore as there are pretty much nothing to run, especially if Turbine raises cap to 30. Although I think the game is dead before that.