What is so odd about that is SR test only has double lutz. I dont understand why even if you arent competive you dont finish your tests. Its not hard.
I've seen a lot of skaters struggle to pass the MIF component of the test structure, more so than the FS tests. I've even seen skaters struggle to pass their Junior MIF who could probably easily pass the Senior FS test if the moves weren't a requirement. Usually they get stuck on one skill (like the loops, or choctaws) and may even be able to perform them fine day to day, but it just doesn't happen for them in a test session.
Most of the time competitive skaters do choose to try to "finish out" their tests towards the end of HS, even if aiming for senior nationals is not in their future.