I’m in the same position, but my excuse is that I stopped using WK around August when my father passed away, I’m just getting back into it now. If I had stuck around I’d be well into my 20s by now at worst, based on the rate I was leveling before my hiatus and my previous knowledge before finding WK.
I consider every item important even if it’s not going toward leveling up, because my end goal is just fluency for fluency sake and not for career or some other goal. Not even interested in test taking at the moment. Not that tests aren’t useful, but the study methods for a test prep are sometimes (often?) different from methods someone would use to become just organically fluent over time.
My former tutor made this very clear to me when she first took me on as a student (a couple years before I found WK), I started asking her what I needed to move forward as an intermediate and asked about JLPT, and she asked “Do you want to learn Japanese, or do you want to take tests?” and she made it clear that she thought focusing on tests was not learning the “right way” in her opinion (as a native speaker).
I personally have no opinion or judgement on that (of course there are many who need to go fast and take tests for career and other reasons), but for me, personally, I followed her advice which fit for my own end goal, and I’ve been much happier with my progress and outlook. There are lots of ways to study Japanese, and no one is the exact “correct” way because it depends on you and your goals.
Unless you have a life/career deadline you need to meet, I would really not stress about leveling speed at all.