I love both of these theories! Truly, as much as I've imagine him with such characters as Hermione and Minerva and even Trelawney, I really can't see him settling down. But there is no reason he couldn't have lived a happy life, made a fortune or been recognized as a hero. Snape deserved a little happiness, he had experienced so much sadness in his life. I think he would love to be recognized as a hero, although he would never admit it. And, who would turn down a fortune (though he didn't want that to be known, either!) Very Snapelike.