The Intel Report on YouTube digs into this subject pretty well. I recommend giving it a listen/watch: https://youtu.be/xG4ks5f31Wg?si=iAv_tLpkgsE5WA9f

It also fits with what we know about her. Janeway was always second guessing her decision to ultimately strand her crew in the Delta quadrant. She felt extremely guilty about all of the people on her ship that got killed through those 20 years (especially Seven of Nine) and wanted to do something about it.