Ruiz-Toney II I am not thrilled about, but would accept it just to see Toney in a big fight. I would absolutely LOVE to see Toney vs. Haye, but it will never happen.
Haye would be the best fight for Toney out there. Styles make fights, and if Toney has one good fight left in him (most ATGs have) he could make life hard for Haye in the ring. Plus I would like to see Haye try and talk trash to Toney during the press conferences, like he did to Valuev and the Klitschkos (who didn't want to/couldn't answer him) - man, would that boy Haye get owned then.. Unfortunately Haye is a clever guy and as you said, he'd never fight Toney - high risk, low reward...
I agree, with Toney's masterful defensive skills and seemingly cast iron chin, I think he could give Haye all kinds of trouble. And yeah, the press conferences would be epic with all of the trash talking.