I listened to Adam Duritz tell the story behind the song Anna Begins.

I had almost the identical experience. I love the song.

He said that he had grown sick of music and he and a friend took off to backpack around Europe. He met a girl that he fell in love with on a Greek island.

He had no money and a return flight that could not be changed. He returned and that was it. The song was about that encounter.

"She disappears and
Oh lord, I'm not ready for this sort of thing"

Lyrics count for me and that album has some of the best lyrical songs.