I took a break when we had our son -- I found being pregnant and caring for a reef was difficult, and knew having a newborn would mean WAY less time spent on the tank. I thought about ditching the tank all together, and then decided to just go back to FW for a while. I've got years of experience with planted tanks, lots of species of FW fish, but had never tried African cichlids, and that's what I ended up getting into.
After a couple of years our son was in daycare, I was back at work, and I started to get bored. I did some fun tank projects, making a funky custom background, then switching to calcareous rock and sand... I bought every pretty cichlid I wanted (within reason), they bred like rabbits, and yes they were beautiful but something was missing. After four years, I realized I missed my reef enough that I wanted to go back to salt. Now that our son is in school, I have a bit more time and energy, and we're saving the outrageous cost of daycare. Unfortunately over the past little while that money and more has gone straight into the tank but... that's a story for another day
I was pretty rusty, but got back into the swing of saltwater quickly -- all it took was a bunch of reading and playing around online to remind myself how different SW and FW are. In my case I had good lighting, rockwork and sand I could still use, a tank, stand, sump etc. that were all great for SW, and I'd kept my skimmer and some other assorted goodies in the back of a closet 'just in case'. I still spent a bundle getting back into things, because I bought things like Hanna checkers and other fancy doo-dads I don't
need but that's just part of my illness (I too need Reefers Anon).
My recommendation would be to keep anything you have that was pricey or hard to find, or that you're really attached to. If you have an ATO, a good skimmer, good powerheads -- anything that won't deteriorate with time that you won't recover the cost on if you sell them -- keep all that stuff. Then if you decide to go FW planted, do it without guilt, and enjoy it, but if you think you may want to return to reefing, keep that in mind when you buy things like lighting. Plants and corals aren't very different in their lighting needs; plants may prefer lower kelvin ratings, but the fixtures don't change, only the bulbs. If you get a new tank, make sure that even if it doesn't need or have a sump while you're doing FW, it could easily be converted if you wanted to make a change. Or, just use a sump -- they're great for FW tanks too! Oh, and take care not to use any medications or additives in the tank that could potentially make it not reef-safe; copper is the only thing I can think of, but I'd definitely research any chemicals before adding them to the display if you think it may someday house corals.
Just my story and my two cents -- in the end it's a tough decision that only you can make, but IME reefing has something special and it tends to pull people back. You can leave for a while, but you will probably miss it... so be prepared