That is one of my favorite theory, that IRL in matrix is the actual top layer of simulation meant to keep the anomaly contained. Maybe that's the direction they will take? But honestly I'd rather not have Matrix 4 be a thing at all :/

Or maybe this was all a dream and neo and trinity will wake up in their boring lives at the start and for 2h go about their uneventful, shitty lives :D

They might go that route. But Neo doing that is believable even without another matrix.