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I find the more Steem I have the more I want to study and use Steem. I worry that if I get too much Steem I won't be able to back off. Actually, I have decided to stop writing daily because it was just taking too much of my time.

I understand what you mean.. about writing daily and taking too much time.
Each post isn't just a few minutes but it's the thoughts put in plus the animation and other things needed to do in order to have a good post.
If I'm in a mood, I will write it down and store it till I feel it's the right time to post it.