I fear I am going to be in the exact same boat with my DD. With my DS it was also extremely obvious he needed that change, but my DD is also very attached to me and has very bad SA, so while she's little I'd like her to go to a home daycare as well because I believe that would be the best setting for her, but like you at some point I would like her to go to a preschool, mainly for school readiness, so it doesn't all seem so shocking and overwhelming for her when the time comes.
Given she's just turned 2, is there any harm in waiting another 6 months or a year? It might be more obvious when the time is right yk? I am also in the 'if it ain't broke don't fix it' club, but I completely see your point.