Not sure exactly where this type of question goes... (HP wash)

Er...you can't really catch up....but it's never too late to hp wash.

Also adding on to this, if you can't afford to, then you don't really need to.

Warriors shouldn'y need to wash--they have a lot of hp. some people wash because more is more.
Bandits and magicians don't critically need to wash either. They can't take hits as much as warriors but they can still take a hit.

Bowmen and hermits. The only reason ranged people wash is to meet the requirements of horntail (4.7k hp?). But for normal training, they usually have enough to keep them alive to train... with the exception that they can't do skele's until late 13x/around 14x.