I think this is the best answer. Think of it in terms of what would the boss (a good boss, that is) say? I can actually hear my managers say this. Many of the options here could be taken by the other person as you thinking you’re “better than” them. This is a fair and accurate response that doesn’t get personal.
Yeah it is important to set boundaries. It’s critical, actually. But it need not be judgmental or cruel. Work is a place where I go to give my time and labor for money. It’s nothing else. I have friends, family, and a therapist. OP’s coworker may not, and that is sad. But their behavior is hurting OP, which means it’s time to set a boundary.
This was my initial thought, but it's not clear from the post whether this is a work-related rant or not. It certainly could be a rant about issues that do affect work.