Well, I hesitated to offer an opinion because I know so many women become very attached to having their hair a certain length, but I’d vote for spending the money on a really good cut instead of subjecting your hair to more chemicals.
Like Shevia, I think you’d look awesome in a short crop so why not try something different? Also, if you want to continue swimming with your daughter, it certainly would be a practical choice.
And, if you permit me a soapbox moment, I think embracing change is what keeps us interested and interesting, especially as we grow older. Even if you eventually move back to your current length, the hairstyle(s) you will be sporting over the next few years will look fresher and be more instep with your current self.