“Now I have to grind 5M currency” - No, you do not

The skills are not game changing, they are not meta, there is literally zero pressure to grind anything. A few bonus points is going to have minimal impact on your experience.

If you end up with 1M cool. If you end up with 5M great. If you don’t meet any threshold so what? There are other rewards and the reset is optional.

Enjoy the game. Reset if you want to. Speak to a loved one. Get some fresh air. Raid all night.