I cant stand when people play at a lower level than they are supposed to. I dont know about everywhere else, but most people do it where im from. It's ridiculous. A friend of mine is only concerned with winning, he is obviously a 5.0, but plays 4.5, and besides losing a match or two in districts or nationals, hasnt lost a match (i dont think) in about 3 years!! Im a reasonably good 4.5, and he makes me look silly lol. If I were on the edge of being able to play 5.0s, I would in a heartbeat.
Why wouldnt you want to challenge yourself, and become a better tennis player????? If you dont, then I think you should quit.