I think something to keep in mind is this: while I don't doubt that Vinny is a financially sound and smart man (something that's paying dividends right now as he takes his hiatus), I don't think he's quite well off to be able to retire in his mid 30s. Owning his property helps, but New York is fucking expensive. He will likely need a job at some point, and he doesn't seem like the type to return to 9 to 5 work. Not to mention arguably the most important factor: his streaming schedule has allowed him to devote his daytime hours to arguably his biggest passion, his music. Unless he tries to pursue another unconventional field (I know editing and voice work have been thrown around on here before), his studio time will take a hit, and I doubt that's something he'll let happen.
I don't even think going the Youtube route is an option. To do that successfully now days, you need to have a Patreon and/or make partnership/advertiser deals. I highly doubt there will come a day where Vinny tries to sell us on Raid: Shadow Legends considering his stance on paid promotions in the past.
At the end of the day, I think Vinny is genuinely unsure about the future right now, hence the comment of "Streaming does not spark joy right now" , which is a very big difference from anymore. And considering it's been less than a month since all this happened, you can't really blame him for feeling that way. My money is on him eventually coming back with a reduced "schedule" where he'll have multiple days off throughout the week to focus on personal stuff and himself. Hopefully it ends up being a win-Vin, where Vinny gets the balance he needs and we still get our funny steamer man back. But if he genuinely wants to walk away from it all, I think he'll make it clear so that everyone has closure. We're not there yet.
PS: A wishlist of what I hope he uploads in the foreseeable future:
Bean PC: He finally has the time to do it. Could use it to promote the next Charity Stream.
Mario Party Switch with Friends (assuming the new update is actually good)
E3 Stuff, especially Nintendo
RE8
The end of Cyberpunk's main story (we need closure with Shrimp Lady)
Pacman 99 One-off