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I maxed September 2017 (12 yr vet on and off) and felt a huge accomplishment when I did. I feel now it's more relaxed and more enjoyable after maxing.
I don't have to worry about getting any more 99's, just the 120's that I'm focused on getting and that'll be in due time, no rush. Once you max, you'll see how "easy" things are in game that you want to do. Congrats on 99 btw!

Go for it!! Don't rush, if you don't want to. Don't have others make you feel that you should be maxed by now, and in my opinion, xp waste maxing fun.
I hate when others told me in the past, "don't xp waste". Max at the rate you feel is right for you.

Yes, I hoarded items long before dxp rolls around. I used to buy my supplies after dxp ended and planned for the next. It made other things in the game much more easier to accomplish.
When you get dummies, pulse cores, proteans and other things of the sort, save them all for dxp. Makes xp gains easier and 99's faster. Do the most expensive skills on dxp,
hoard the items and plan it out based on your levels.