There's a theory I read after the Breaking Bad episode that was interesting. I would link it, but I can't find it anymore. Spoilers: If you haven't noticed, like I didn't until it was pointed out to me, the title sequences have degraded in quality each season. Up until this season each season was ten episodes and each episode had its own intro (i.e. episode 1 each season has the Statue of Liberty, episode 10 has the coffee mug). Gilligan and Gould say they weren't sure if the series would last past season two, so it's interesting they started degrading the title sequence then, but it must show they had some type of ending in mind back even then. If you weren't watching closely like me, you don't really notice it until Nippy when the video suddenly cuts to a blank tape screen.
So, where is this theory going? Well, to open the series Gene pops in his old Better Call Saul commercials. The thought is the tape is degrading because it's Gene watching them over and over reliving the Saul days. When we reach the tenth episode of this season, the tape cuts and we're left with the blue screen. Really, if you stop at episode 10, you get a happy ending and a concrete conclusion to the series. Gene gets to return to Slippin' Jimmy one last time with the mall robbery. It's successful and he gets to pull a little Saul lawyer action by blackmailing Jeff with his mutually assured destruction. At this point he seemingly has no outstanding problems. Nippy ends with him looking at the flashy tie at lunch, but putting it back, leaving "Saul" behind and implying he's content with staying as Gene at Cinnbaon.
In episode 11 we don't get any video or music, just the blue screen. The show is supposed to be over, but it's still going. From here it gets meta. The thought is that both Gene and the viewer can't get over the fact that the show is over. We've had Breaking Bad, El Camino and now an entire prequel in Better Call Saul, but there's still three more episodes that we the viewer are craving. We get the fan service Walt and Jesse cameos we've been waiting seven years for, and it even adds context to Breaking Bad. The call to Francesca is more or less supposed to be wrapping up any storylines that were left open, but then Kim is mentioned, the one story still left to be told, and so Gene gets sucked back into the show and continues his old ways.
Don't really know what the theory means for a finale, but I can see it being similar to yours, Kep. Gilligan said he wanted Walter White to be a protagonist people hated at the end. Problem is, when literal Nazis are the final enemy, it's hard to make the protagonist lose, so they end up writing the finale where he gets money to his family, finally admits the real drive behind the cook, and frees Jesse and takes out the Nazis. I could see this being the ending Gilligan was going for back then. The cartel is gone. The only possible enemies left are Kim, Jeff, and Carol Burnett. Kim has regained a conscience and has put herself in her own purgatory. Jeff's motive hasn't always been clear, but Jimmy/Saul/Gene got him to be done, then pulled him back in, and has now burned him badly. And then there's Carol Burnett. Three figures who no one would mind coming out on top.