Hello, I presume a doctor has prescribed this combination for you, so it should be OK. I have found that Effexor stopped my panics and anxiety and depression. I have no experience of Cymbalta.
I am so sorry you are having so many problems.
I have never taken either of them but from what I have heard and read it seems to be a good combination for pretty much all of your physical and mental problems.
Someone with experience on these medicines will be able to help more and if you check back often you will find some good information but it is slow on the weekends.