Yeah, leveling up a bit more should solve any big problems. That shouldn't really be game breaking anyway though. Thing is each level up in LoT is fairly significant, even late game. In combination due to skill levels, level bonuses, the hidden +0.04% bonus to all stats in addition to the usual growth rates per level, and the add/subtract damage formulas as opposed to multiply/divide ones.
When you level up, you get a 0.04% retroactive growth bonus to all stats, and you also get the same amount for each skillpoint in each stat, the level up bonus however offers only a 0.03% bonus, so it's really the least significant form of character customization. It's just significant when you play one game and spend literally ALL of them on one stat, and then all of them on a completely different stat the next game.
Basically, for each level up bonus spent on a stat, it can be made up for + a bit more by spending skillpoints on that stat a single skill level. Which actually makes spending level ups on affinity stats strangely efficient in a way. points per level, affinity levels cost much more than ordinary stats normally. So it's possible that you can actually more than make up for your loss by the skillpoints saved doing this if you were to plan your affinity goals in advance and whatnot.
For example, at skill level 31, flan's attack stat costs just over 1000 skillpoints to level up, but her cld affinity costs around 6000! So if you chose to spend one less skillpoint on her cld affinity, and made up for it by spending a level up on it, you have an extra 5000 skillpoints to spend on her attack, which in the end, would actually be better.
Problem is it's rather difficult to know exactly how many points you would have spent if you hadn't have spent level up bonuses on affinities or whatever.
Anyways, in my current playthru, Renko can suddenly debuff again. I guess I was just having a "Bad luck with debuffs" day, Yuyuko went from being virtually dead weight to omg amazing once I reached MaribelV1. She's great for all the V2 bosses too, as well as the bloodstained seal bosses, she's also great for f21 trash. I just hope her usefulness doesn't die again due to bosses having high spirit resists on average (I haven't really looked). It's obvious, but Yuyu's power is definately dependant on enemy defense more than most people. I mean she's kinda like Sakuya with killing doll. Sure she wont be hitting for 0 so easily, but her spell generally jumps between "sigh....sucks", to "holy shit" quite easily. I also don't have Iku,Ran,or Keine, so buffing Mag is difficult, I imagine having them around would make that jump very easy. Renko's charge is icky, the guage depletion is pretty scary, and the damage dealt to party is actually pretty significant for my defense-oriented builds even with mag level at 1 (especially for patchy, would be for kaggy as well but since I use her for stone bowl only, there's basically no point in buffing her offensive stats).
Underleveled (lvl57-63) at around floor 15~
It's best to just quote Reimu's level
Ahh yes, it also occured to me. You're likely just feeling insecure about your builds because of where you are in the game. After floor 12, the game's difficulty goes up quite a lot (especially each floor's trash).
Basically floor 13's swordfish will make you go "aghahg they keep 1shotting me or 2shotting my tanks before I can even move!! whyyyy". Floor 14's golems will make you say "zomg it doesn't dieeee whyyyy", it goes on. Floor 17 is especially brutal.
Basically floor 13-15 have the odd enemy that makes each floor hard, and 16+ tend to have a balance of situationally difficult enemies that make handling all possible enemy encounters very difficult to have a clean counter for. I mean for example, some floors have really dangerous enemies that are rather tame if you paralize them, so you do so, but by relying on paralyzing, you wont be able to dps some fast mover dead in time before it attacks, and you can't substitute another character without possibly suffering something else, etc. Honestly it's part of what makes the game great IMO.