Honestly, recently earning testnet points feels a bit like working out: originally just for practice, but as I go along, I start to look forward to "will there be an airdrop in the future," and once my mindset shifts, I tend to overthink.

My current stop-loss is pretty simple: stop if gas exceeds the daily budget, and if there are too many interaction steps to the point of repeatedly checking tutorials (which means I actually don't understand), I stop.
Also, for the sake of farming points, changing wallets or swapping bridges—once the risk increases, I just give up.
News about increased taxes or fluctuating compliance in certain regions also affects deposit and withdrawal expectations.
The more uncertain it is, the less I should treat the testnet as a paycheck—just see it as a practice manual...
I don't know which approach will hit the mark, but at least I shouldn't let myself get out of control.