ladder was never about “what’s left to do”, it’s about how efficient you can get at doing it
if you’re just checking boxes (gear done, charms done, 99 done), then yeah you’re basically finished
what’s left is pushing efficiency:
faster runs, better routing, cleaner gameplay, less downtime, higher p settings, different builds
or you just reroll and do it again better
if none of that interests you, nl won’t fix it either, you’ll just be done there too