Right but its important to produce sources for these types of things. There's tons of bogus conjecture and social media posts that have no info whatsoever who say these things. Its entirely possible that both of those things aren't real.
The retirement aspect really makes no sense whatsoever, because if Ronnie isn't healthy enough to play, he can simply not play and get paid, which is what 100% of people would choose to do. He's got a fully guaranteed $9.5M salary for 2022 that I would be shocked to see him walk away from, and he'll get another $6.75M guaranteed for 2023 in about 20 days time, which I can assure you the Ravens a) know about and b) would be interested in getting out of paying if they thought he couldn't make it back.
If he never makes it back, it won't surprise me either. I just don't think you'll find a source on this planet, including Stanley himself, who knows this as of March 1st, 2022.
That's why when people suggest these things and come back later and say "see, I told you so", I usually mock them for being wrong. They didn't get anything right... they just guessed right. They didn't have enough info to make the claims they're making in the moment, so they threw something at a board and hoped it sticked.