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One thing I'm really having to work on at these levels is the low value of money. I have a hard time being concerned about completing for 10 cents. I realize that I shouldn't worry about the money at any level, but when completing means a dollar instead of a dime, I tend to take it more seriously.

The downside to dropping all the way down in limits for practice (which I desperately need, obviously).

When to complete/not to complete is tough for me.

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It's good you admit this. I think that's probably the biggest reason that microlimits are so profitable. People have a hard time taking the money seriously. I played for years in a $2-$5 spread limit game at the local B&M. When I started playing .5/1 at Party my wife laughed at me, but when I showed her that I could make "real" money at this level she quit laughing. The point is that you have to treat each bet as a bet, not as just 10 cents or whatever. Think of it this way. You can play and learn with a bankroll that is 1/10th of what I needed to start. I've learned so much more in the few months of playing micros online, than I did in 15 years at the B&M. I get so many more hands, I can play just a few minutes at a time, and a bad session at micros is only $20 compared to $200 or more at the B&M. All wins - if you can take it seriously. If you can't, you'll just develop bad habits that will be impossible to break if you try to move up.