Agreed. My wife had a period of no treatment during her braces due to various factors (moving house, ortho retiring, covid) for 5 years or so
She is meticulous with her oral hygiene and had no issues with cavities or decay. Her braces at the time were self ligating with steel archwires and she had wire lacing on the front 6, upper and lower so there was no active pressure on from NiTi wires or elastomerics
However, over time she did have some spaces open up, particularly her (almost closed) extraction gaps, which opened up to 5mm or larger. They weren't protected by wire lacing however
My guess is that the primary consideration would be oral hygiene. If you are scrupulous about keeping everything clean, my guess would be that fixed appliances might even be preferable as Essix retainers wouldn't allow circulation of saliva. That might even be true on the lingual surfaces with Hawley retainers. You'll probably have to earn the right to ask for the extension.