I have been playing the same town for a little over two years now and I have most if not all of the DLC and all the sets. And 10 million bells in the bank. And I have done everything at least twice. So am I crazy to want to delete and start again?
If you want to, then I would say go ahead and delete your town. You could always give bells and DLC items to Wi-Fi friends to hold for you. Then once you restart in your new town, your friends can come and give them back.
It's up to you. I've had my town over 3 years, over 60 million in the bank, donated everything to the museum (excluding the tarantula) collected nearly every catalogable item & DLC, scored a perfect town and spawned all the hybrids. I was always on the edge of restarting, but I didn't. I poured a lot of work into making Ehingen what it is today.