You can google which quests give skill points. Certain other quests are grouped at higher level to offer the quicker reward versus time spent for Contribution points. You're on the right track with the grinding. Otherwise, the questing is a nice distraction. Some of the quests will you laugh and smile.
Im at the same point with gear. Everything is fully upgraded, and Im just sitting here stockpiling stones waiting for the +20. There just isnt a point in getting Ultimate if Im going to have to remake an entire set of equipment. If you havent switched over to a certain type of gear yet, might be a good time though. Otherwise, i would hold off like they said, for getting Ultimate or Blue versions of gear.