namechanged I'm sorry you have had this awful shock, you sound like you are handling it well and I think you are right about taking a step back now with your dd and worrying about next year's uni further down the line.
I do feel more of my students have mental health problems than ever before, and have personally supported many through doing either ug or postgrad quals with difficulties, time out, retaking and so on. I do think the system at our uni is quite good ONCE the person is in the system, has gone to their tutor, been picked up by counselling/the senior staff that then devise a plan for them to help them get back on track which includes contacting parents if permission is given. The ones I worry about are the ones who don't show any sign of trouble and then it all goes wrong. I once lost a student who failed to show for a few weeks, he turned up in a psychiatric unit although he was older so parental contact wasn't appropriate.
I do feel though that I'm not really suited to pastoral care beyond being a sympathetic ear and signposting people to the more intensive services, and luckily that's all we do now, we do not have to 'contain' personal or mental health issues but send them all to the academic who is responsible for taking these cases on with support from the institution. Before that, being responsible as a personal tutor for students with MH difficulties, self-harming, in MH crises was really worrying and I'm just glad now that the University has recognized we are just not in any way qualified for this and it needs to go to those that are.
I feel so sad the pressure some young people put themselves under, having said that, there was a spate of suicides at my uni at finals time 25 years ago, I know less people went then but it was quite a well-known thing even then and there were always people who simply didn't cope at that point, being perfectionist and putting themselves under so much pressure. The system now encourages this more and that's why I think numbers with MH and just general 'difficulty coping with life' issues seems to have risen.