Definitely reaffiliate!! One of my little's pledge sisters was in & out of school for financial & personal reasons (she had pledged older to begin with) and was like 25-26 when she came back and lived in the house. She was very active and all the "young uns" just adored her. Plus she was a great built-in alumnae liason.
You'll probably enjoy being active even more, having taken a break from it. Hopefully the $$$ will not be a problem!! Let us know what you decide.