Hi there! This is a good question and also something I asked my mentor about- I didn't have withdrawals but did have weak grades early on in my undergrad. I am also sorry to hear about your losses, that sounds very difficult.
My mentor told me there are multiple ways to argue that you will be successful in grad school (i.e. that your psychology gpa in particular is high, that your grades have consistently increased and you showed resilience, or in your case, you can specifically explain your situation and what impeded your academic performance). My mentor also said that the academic consideration section should not take up more than a few sentences in the SOP (but also depends on the word count of course).
Also, as you said, those grades were for non psych related courses (and it is only two?), so I don't think grad schools would focus in on that too much; they would surely be more concerned about your grades in upper year psych courses! I hope this helped a bit and I wish you all the best for this application cycle!