I like the idea of thinking of it as wearing different hats, because that IS pretty close to how I conceptualize it myself.

In my case this also includes a third "fanfic writer" hat - writing for the sheer fun and delight of pouring out gen h/c onto my keyboard and sharing it with people, basically. It's a different sort of writing and a different social climate than my "day job" romance-novel writing, and I really like it that way and don't have any intention of changing the way I do things - though I also don't think other people are ruining anything by putting out tip jars; that's a personal decision. I'm currently in a financial place where I don't have to feel like I need to look for ways to monetize every income stream I possibly can, so I have the luxury of enjoying my hobbyist writing separate from my writing-for-money. I plan to keep it that way, but I also understand that not everyone can do that.