Hey MSBlue,
YES! WE HAVE THIS! YES, stress plays a role.
I came off BCPs 2.5 years ago when I got married. For the last 9 months I have had such severe PMS that gets worse as each month goes by.
I have been in such bad shape that I cry when telling the doctor, it's so bad that I am considering taking vacation time just so I dont' have the opportunity to rip peoples heads off. Like you...THIS is NOT ME. And people don't really understand. It's just horrific...normally, I am friendly, laughing, carefree...this PMS effects my job, my marriage, friendships, family...
Anyway...I started to chart my cycles so I had data/proof on what was really going on with my body/fertility. Been doing that for 5 months. Now I have found a doctor that can 'read' the charts and prescribe what I need. Severe PMS (although most mainstrem docs seen to not know...oddly) that progesterone can pretty much help 95 percent of us that suffer from such horrid PMS. I finally got a prescription and will start taking it next week... and I will also start taking Insulite.
Anyway, read like crazy, get smart on your PCOS issues, and fight for your health as no one else will.
WE DO NOT HAVE TO FEEL LIKE HELL. 
good luck
LL