To your last line, its not like this is the first time this exact same argument has been made. this is his third home, he has an 11 million dollar lake house already, and people were saying he was bound to retire shortly after he got that one.....back in 2013.
his wife would have time, maybe for his daughter. He infamously spent some time in Italy this summer. maybe its something they have been looking for for a while, and it finally came on the market. maybe its just an investment property.
great coaches generally aren't worried about going out like Paterno unless they know something behind the scenes. we know the NCAA won't go after him, so it would have to be something actually illegal to chase him off. they all think they are better, they all have that drive that constantly pushes them, especially the best ones.
we have been using these exact same arguments for a decade, at least. Eventually some Nostradamus will get it right, but it will only be after another couple thousand of their predictions miss. Nothing particularly compelling about the current circumstances to think he is gone.
His previous "down years" have all been followed with his better runs. I wouldn't count him out, especially if he is going back to a ground and pound offense that he prefers. That simplifies his job a lot, and probably removes a lot of the ego from the offensive coordinators he has had to put up with running a spread offense.