Never play the wise practitioner in samsara. All
you need to know and can truly know are the instructions of Amida
Buddha in His Primal Vow: "entrust
yourself to me, say my Name and wish to be born in my
land". Follow Master Rennyo's advice, "all
thoughts and words are delusion, except the mind to trust Amida
Buddha" and Master Shinran's, "the Nembutsu
alone is true and real".
Also, never play the virtuous practitioner in samsara. Don't overestimate your pitiful merits and virtues. You can do nothing with your so-called "wisdom and merits". Everything is impermanent and insubstantial, including your dream-like existence and the things you think you realized.
There is only one reality - that of Amida Buddha and His Call: "entrust yourself to me, say my Name and wish to be born in my land". Do that exclusively and don't play smart or virtuous in samsara.
Namo Amida Bu