The problem is having to go out of my way to find challenges when I should have to go out of my way to overcome them.
For me to be challenged as a player, I have to play a far more reckless character than I enjoy playing. Deliberately making mistakes, constantly passing up opportunities, and otherwise selecting less than the best option from my CMDR's perspective, are all problems, not solutions.
You just described pretty accurately exactly how I play
When I get on top of things I push harder until I start making mistakes again. If all I did was tend to my home system I'd be bored.