Two plastic surgeries by your early 20's seems like fairly a lot, and they are fairly expensive. I don't think she ever stated what city in the UK she lives in, her place could certainly be a $1M (after currency exchange) if it is in London. I can't really speak on cosmetics, but I don't think nails are typically the most expensive parts, compared to hair/skincare/makeup.
I don't think she wanted to nakedness/porn in the first place, I think the reason she did so (like many other OF women) was for the money. Hence why I think she will likely come back in a few months.
I think you are overselling the number of traditional career options for a 20 year old never held a traditional job beyond content creator/of girl in the current economy. Entry level positions are already hard to obtain and having no real experience and the stigma of OF would limit the selection even more. Do I think she could probably eventually find a job? Yes, but it won't be very high paying and she will have to do a significant more amount of actual work (something she hasn't shown she is very good at given her posting history).
I think she certainly has fatigue/burn out from doing sex work. I also think money is a pretty significant motivator to get over said fatigue.
Man you are an idiot. If you were subscribed to her when she decided to cancel her OF she switched the subscription price to free and archived all of her posts. This means if you were a legacy sub, you got put on the free tier and have to actively click renew to pay the new subscription fee. So she effectively killed her legacy subs and any new subs are for her new content. I know this as I was subscribed to her when she made the change. This was a very stupid move on her part. She doesn’t have a legacy Patreon, if you look at her Patreon it was made post OF switch and has very few subscribers. Even her old twitter was deleted and replaced with a new twitter following the switch with many fewer followers. So no she does not have a huge amount of passive income beyond her tik tok/twitch/ and current OF/patreon subscribers. This is clearly going to be magnitudes less than when she was doing full nude on OF. If you think women doing OF are in it for the love of the game you are delusional...
I think we will just need to see if in 6 months to a year whether or not she comes back.