I think it really depends on the connection between the two people.
Like, in a love reading, if they’ve just started dating, the 10 of Pentacles could be pointing to someone already thinking long-term or wondering if this could actually grow into something solid. But if it's not an established relationship, sometimes it reads more like, "I've already got everything I need, I'm good on my own." In that case, their intentions might lean toward staying single, or only letting in people who add real value and stability to their life.
If it's an ex, I'd probably see it as them focusing on what they've built for themselves post-breakup and being content with that separation.
Also, tens in tarot usually signal completion or the final stage of a cycle. It doesn't always mean "moving to the next level." Sometimes it's just: this is the outcome, this is as far as it goes.