Kelly has stated many times that singing isn't about fame or money. It's nothing that she hasn't said before, but people are seeming to take it more to heart as she is approaching her 30s.
She's not the type to enjoy the famous lifestyle. She's bound to want some down time and be able to go out and do things for herself without being noticed and the main focus because she's "Kelly Clarkson". Privacy and personal time is taken away when you're famous. Even family and friends' privacy is invaded.
No one knows for sure what she plans to do in the future. It's not our job to worry about. It's Kelly's job and life. If Kelly does something, then it's because she knows what she wants and it is her limits, and fans should respect those decisions she makes.