Sounds like you're doing something right to be able to be building up those accounts!
I'd advise to NOT hold yourself back! I did this after having played for ~1yr., instead of forcing myself to increase the buyin levels I was playing at. A big part of this was fear of failure. I was winning at the levels I was playing at and didn't want to risk it going the other way.
Honestly if you want to get good enough to beat the micro stakes (ie. 2nl) then you REALLY need to just start playing them! As well as studying, the best thing you can do is to just DO IT! Getting oneself to stick to freerolls is only going to carry you so far in other games... games that you'll likely enjoy MUCH more!
Maybe you need to find a mentor to help give you that push & to build up confidence?
Good luck... don't hold yourself back. I have a feeling that online poker will only get tougher as time goes by. There are PLENTY of bad players still playing, waiting to hand you their chips so perhaps get going while the going is still good?