Has a doctor restricted you from doing martial arts specifically?

I ask because there are certainly lighter martial arts programs out there that even folks with medical and/or mental issues can still do and gain benefit from them.

Yes. It’s the contact aspect that’s problematic, and all the widely-available training I’ve found in my life thus far has been contact-oriented: self-defense, belt/rank progression, sparring requirements, etc.

Honestly if I lived closer to the city I’d probably go looking for a Tai Chi group. That’s about as close as I can get.

Also considering fencing when I lose more weight/am not the world’s largest target. There’s options, but they deviate pretty heavily from the road I’ve been on in life thus far to the point I’ve only recently had them become plausible.

Karate traditionally has 3 components, Kihon, Kata, and Kumite ... I would try going to some more traditional Karate Dojo and asking if you can practice with them without sparring. Most of the class isn't sparring anyways and if the others spar then you can just practice your Kata or Kihon while they do that. While sparring is important it's possibly the least important component in many traditional schools.

Whether or not you'll be able to progress in belts/ranks is different but who cares. Wearing a white belt forever is probably better for character development. If your goal is the belt just go to the store and buy a belt.

There's also archery and I'm sure there are many other options for no-contact martial arts training. If fencing works for you then there's also Kendo. There's Iai-do which is just about drawing the sword. Lots of options in theory.

Does "athlete" in your original post have to be only martial art/contact sports? For example, are you medically unable to do absolutely any strength exercises, maybe upper body only, with appropriate support/isolation? A lot of times it's a matter or re framing rather than giving up goals, a lot can be done at home with a pair of adjustable dumbbells.