I think the royal family's lifetime and lifestyle, as it is now, is limited, but by how much I have no idea. Most of the senior family, that is the Queen, Prince Philip, Prince Charles and Camilla, Princess Anne, the Earl and Countess of Wessex, the Duke and Duchess of Cambridge and their respective families all realise this and behave accordingly. The Yorks, all four of them, are disasters, and it seems as though Prince Harry, since his marriage, is also lacking in understanding.
There seem to be rifts developing between the Sussexes, the royal family and the press. Their snub of a visit to Balmoral, whilst relatively unimportant, received mild adverse comment; Meghan responded instantly with an unplanned trip to America, leaving her four month old baby. That to me suggests fingers up to the establishment, and also her Save the Planet stance.
If she wishes to be viewed as an independent woman then she must also live independent of the Privy Purse.