It won't be because the show will be back in only 2-4 years (I'm betting on late 2028/early 2029) and the BBC care too much about the property now to give anyone a wide leash, which is why the 90's was so creatively fruitful for the extended universe content.
yeah I think as far as the books go this is unfortunately correct, we'll never see the lack of oversight that let the VNAs happen again lmao. all the creativity seems to be in the less mainstream Big Finish ranges like The War Doctor and Master sets right now, which is probably because the BBC doesn't monitor them as much