one of the very best thing about this game, is you can play it and prioritise whatever you like if you want
some of us have been playing so long (since moria or before), some of us just have playstyles/habits that are hard to break, and thats cool too.
tbh its a testament to how good the game can be when there is legit stratgegy to dive, be conservative, tailor your strategy to the gear youve found etc, entirely within however you want to play, and all are viable.
want to clear every single level? go for it
want to dive to 99 with clvl20? go for it