I would suggest getting the levels- it is an asset to your resume, no matter what you are doing. It is also just well-rounded learning as opposed to just the riding. Plus, who knows? If you get your levels, and decide to take it up to the next level and get a coaching level, you could make up the money to get your new hunter ;)
Since I lost my horse I have not bought another. One reason is that I can't afford it, the other is that I am not ready- but I like to tell people that I am to the point where I can be paid to ride, not pay-to-ride!