If there are people like you who thinks Fury should not have a rematch because he'll likely lose then the more reason he should do it. People would also think he's running away from Ngannou and I don't see him as the guy that will let his reputation be tarnished like that.
I believe a rematch wouldn't be an issue for these two fighters, considering the highly competitive bout they put on. This is likely to gain the fans' interest even more, and I think both of them will stand to earn a more significant sum compared to their previous fight. It was reported that Fury made $50 million, while Francis earned $10 million, if I recall correctly. So, in a rematch, they might collectively make a total of $100 million or evermore. Nowadays, reputation takes a back seat to the primary goal of boxers, which is money. They've already satisfied the fans, making it easier to market a rematch.
If they are going to have a rematch Ngannou should have an equal share of the profit like 60/40 he delivers more than what people have expected of him while Fury's performance was nowhere compared to his performance when he fought Wilder.
If they do a rematch I see Ngannou as the favorite to win the rematch, he can take Fury's punches while Fury has a hard time with Ngannou's punches, it's just so unusual for Fury, a boxer doing the thing MMA doing like holding too much and wrestling Ngannou, he should be ashamed with himself.
However, I believe we should watch the Fury vs. Usyk fight first.
After the Fury = Ngannou fight, Usyk showed confidence that he could beat Fury I've seen both their interview and Usyk wants the December 23 match to happen whereas Fury's promoter wants it next year, obviously to recuperate from Fury's embarrassment.