Not sure I agree with your reasoning here. An incumbent president has a huge advantage in any presidential election race (why do you think Obama is still in with a shout in this one?) - Hillary may prefer not to run against an incumbent in 2016... which she’ll have to if Romney wins, though not if Obama does.
I actually think the Clintons will be doing what they can to ensure Obama does win this race.
That's how I figure it too.
Hillary's last chance is 2016 and I think she'd rather try to replace Obama than challenge a republican incumbent.