I think they are redeveloping the observations view, so it might be worth mentioning it in the thread for ideas on that.
https://forum.inaturalist.org/t/ideas-for-a-revamped-explore-observations-search-page/8439
For instance, when you view the species tab, perhaps there could be settings to allow you to show certain taxa levels. Currently it doesn’t show ssp (they get lumped under the sp) and it only shows leaves. The filters would ideally give enough control to bring in your observations such that you are getting your full “life list” as it were.