Why though? She is next to Biden and Bernie, arguably the most popular Democrat in the States. She would have a good chance to unseat Schumer, and would be a massive favorite against Gillibrand. If she decides to become a senator, she should be able to do so within 4 years (or make a deal with Schumer that he retires in 2026), but who I am kidding, all senators die in office after all. Unseating Gillibrand should be easier, so if she skips 24, then the next chance comes only in 2030.
And for president, the sooner the better. People in congress/senate become a bit of alien the more they stay there. Too many votes that you have to make, the longer you stay, the higher some of them will be very bad votes, and then Eboue and co. will spend all day long telling everybody about that. If Dems don't have an incumbent in 2028, she should definitely try then, otherwise on 2032, no point waiting for a possible better future, when she can make the future sooner.