How about let D Allen be the interim HC for 1 year and let Payton have a year off?

I know this is something that’s never been done but that don’t mean the saints can’t be the first.

I think it’s pretty clear coach needs/wants a break but at the same time loves his job .

Why not let him take his year off and comeback after a year ?
Even if the Saints were to consider something like this ( and I think it is far out of the ballpark of reality), 2022 is not the year to do it. You would want a stable team with an announce starting QB and most problem areas fixed before considering a drastic move of this nature.