There’s also that thing that if she officially “retires”, she loses money from Fed. If she goes to Test Skates, she at least can say “I’m deciding later”.
Pretty sure the money side of it's a wash, from what's been said over the years, Eteri gets a piece of any endorsement deals her skaters get; so if Zagitova retires then she's no longer obligated to giving a portion of that money to Eteri. But then again some of her endorsement deals could be tied to her being a competitive skater, if I remember correctly it was said that was the situation with Lipnitskaia's deal with Adidas.

