So... yea pretty much I never HP washed and now I'm lv 120. Is it too late to HP wash? Should I just get as many AP resets and convert MP to HP? Or should I do the every time I level I put 5 points in HP and take 5 points out of MP and toss them in STR? Thanks!
Washing isn't particularly important tbh, it's really an act of self indulgence for the rich. This guide explains how to wash. In abbreviated form: If you are above min mp for your class, add 1 hp with level up ap, reset 1 mp into str/dex/luk, repeat.
The way that HP washing works is that you put a point in HP, then use an AP reset to decrease MP and but that point in Str.
You need 1 point in hp to reset 1 point of mp. Also, (apparently) if you float 1 ap in hp, and keep resetting mp into hp, you gain a lot less hp each wash. tl;dr: do what I said in the first reply, it's the most cost efficient way.