Hey man I feel you, these are all stressful things. You know best about your situation and about how much energy and time you have to devote to the project. So I'm sure you'll make the best decision that's suitable to you.
But I'll just point out the following things:
1) This is the perfect time for you to start a crowdfunding campaign. Not only because of the pandemic, but because there's a great hunger for Metroidvanias these days. People are biting their nails off waiting for Silksong and Axiom Verge 2 to come out. So they will gladly throw their money at any promise for another good game.
Hell, even a kinda uninspired HK clone like Chiaroscuro raised 12.5 K.
Once the above mentioned SS and AV 2 will come out, people's thirst will be quenched for the next 1-2 years. And who knows if afterwards it will come back, or if Metroidvania genre will still has the focus it has now. So this might be your last chance to make this work.
2) Doing everything alone IS stressful. But if you have money you can afford to hire someone to help you with the game. You can outsource some/all of the music/art/code/marketing/stretch goals.
3) Not many people know as much as you do, how much work goes into creating a game. And that's exactly why it's impossible to make a game hesitantly. To overcome the massive workload and goals that needs to be achieved, you need to go all in! And to do that you need funding.
4) Zordak have been blessed with more attention than most indie game demos get these days. Almost everyone in the scene knows about it. But attention is fleeting, so you need to make the best out of it.
I understand what you're saying and your points are all valid, but I just don't know.
I've been sitting here for like 30+ minutes trying to come up with what to say but I just can't find the words.
All I can really say is that my living situation is not exactly great and I'm already completely stressed out about everything..
And as mentioned before, I have no desire to make any promises of any kind because everything could change at any moment.
And without being able to make promises the entire Kickstarter reward system is pretty much out of the question, and I'm pretty sure a Kickstarter without rewards (except very basic ones like you get the game and maybe a feature addition to the game or so) would not work very well if it's even allowed at all..
So.. I just don't know.
There's more to it than this but this is all I'll say this publicly.