Firstly, Neymar's wages are very high. And secondly, Neymar is prone to injuries. His fitness is not good. And so any top-tier club would definitely think twice. Neymar does not have the proper fitness to perform in a competitive league like the Premier League. If his fitness is not good, Neymar will not be able to perform well in the Premier League. And so I don't find all the news that Manchester United and Chelsea are interested in Neymar to be credible. I think Neymar will stay at PSG next season and then join a club in Saudi Arabia.
Here mostly your view about Neymar Jr is correct because after having contract with PSG he has never been any improvement in his performance which is the big problem for them and when we have Messi's exit from PSG there were rumors he is also going to leave this club but suddenly with the saga of Mbappé now things are changing because new coach is also have interested to keep Neymar here which is good news for him.
But, as mentioned his fitness is big issue which is not allowing other clubs to talk about his possible transfer like few weeks back there were news about possible transfer to Manchester United or Newcastle United, but now we have no update and all parties are also silent which is clearly indicating he will stay here and wait for his contract end and then most chances his next destination could be Saudi League because no other club will be able to give him luxury like PSG.