Follow @wescaine’s advice. 
Here’s my breakdown for anyone who finds themselves in similar circumstances.
The Planner is for playing what-if scenarios for the week ahead (at most) – which you may or may not decide to do when those days arrive. Many of us do not populate the Planner.
Watch this Academy video as it explains how deficit/surplus and form apply to the Planner:
https://youtu.be/3YxOKsvpx9I
“Hardest possible” is relative to intensity of the workout and not necessarily the 4.5 diamond count. See below.
4.5 stars represents your training load due to a combination of hours and intensity. “Pro” is the label assigned to TL >= 150. There are a number of Xert users with lots of time to ride their bike but they are not getting contracts.
See: The stars: training status and form – Xert (baronbiosys.com)
XATA will recommend workouts that are close to your status stars count. IE, around 4 diamond workouts if TL has reached 4 stars, etc. There are a variety of workouts at various intensities that correspond to your predicted form at that level. If form goes to red, you’d only see active recovery rides recommended (or take a rest day). If yellow, then endurance rides which can range from mild (mostly blue) to “hard” endurance (some sweet spot). If form goes to blue/green you should be ready to handle harder workouts or deliberately select the hardest if you feel up to it. For example, try tackling the Hardness Test ladder starting at 4 diamonds or higher (Level 08+) and see what level you can reach.
XATA adapts to whatever you decide to do. In all cases you are in control of your training. XATA is providing guidelines. You choose your own path by the decisions you make. IE, which workout is selected from top four or Load More, whether to use Filter to change the list, or whether to ride outdoors instead. That might be a free ride to focus type or roughly replicate one of the workouts if practical to complete on the route you pick.
You can adjust the Freshness Feedback slider if predicted form does not match how you feel. That will immediately change the recommendations.
See: Freshness Feedback – Xert (baronbiosys.com)
OTOH if you are not taking days off on a regular or occasional basis or modulating your ramp rate deliberately over time, you could be driving yourself into a rut or at least a fitness plateau.
If that’s the case, then yes. You’ll want to scale back or take time off and reset.
Using improvement rate (IR) for periodization is discussed in this Academy video –
https://youtu.be/8OQm19_NFjc
Any workout can be modified/lengthened by opening in Workout Designer, select Copy, make your edits including description, Save and the workout is available from your Personal folder. You can also mark it as a favorite and it will show up on the Planner list for drag and drop.
Outdoors you can simply free ride at the pace you want by RPE or HR. Or you might choose to free ride to focus type by monitoring a few Xert data fields on your head unit.
Again, many of us do not enter our future activities on the Planner. We just do them when the day arrives. For example, during the summer I always ride long on Sat or Sun but never add it to the Planner. XATA recognizes that pattern and will say “Advice is based on your recent activities performed on Saturdays”. However, you always have the option to do something else.
The pacer needle position lets you know if you are on track to maintain your current ramp rate whether you’ve set a progression (Slow or higher), topped out your time commitment (Maintenance) or want to ease off (Taper or Off-Season). If the needle hovers between 11am-1pm you are on target for that ramp rate. But you can also waver and bring things back to “normal” based on what you decide to do during the rolling seven-day period XATA operates on.
Myself, I rarely populate the Planner or worry about a calendar. I simply monitor the needle. If it’s pointing north, I’m doing fine. If it dips towards red that’s okay when I know a longer weekend ride will factor in soon. Which reminds me. That time is now. cya