Most likely (in my humble opinion):
A fully loaded 767 left the ground, and some fairly warm weather, in NYC. It was loaded to the gills with fuel for a long flight, lots of luggage, lots of carry-on weight. A little way up and out over the Atlantic it encountered a little reality, courtesy of Mother Nature, probably a mass of very cold, very wet, Arctic air bulging south over the ocean. The plane iced up, couldn’t handle the weight, and went down. It wouldn’t be the first time a fully loaded airliner went down due to icing. There ain’t no need for the usual urban legends and paranoid theories that people seem to enjoy.
“Three people can keep a secret if two are dead”.
But hey, whatever gets you through the day. If you wake up in the morning and a birdy is singing in the tree outside your window and you want to think that little birdy is singing especially for you and it helps you get through your day, what is wrong with that?