As far as atonement goes, it's definitely ideal to suffer from very temporary forgettable worries rather than long-term memorable worries, and to be grateful if temporary & forgettable stress is ever the kind of atonement Hashem sends your way.
I find the following idea very helpful in gaining perspective & not losing da'at when feeling stressed out or overwhelmed.
Yes, some of our worries in life are (unfortunately) genuinely big & memorable.
But how much of what you are stressing about right now will matter in another year?
What about another month?
Or another week?
Will it matter tomorrow?
Will you even remember it tomorrow?
What about another 3 hours?
As already mentioned, some things are unfortunately so strenuous that they do matter and are remembered long after they happen.
But many things are not.