I know for me the not "needing" because I was no longer high risk was wrapped up in financial issues... I was private paying my T. I was still deemed "moderate risk" (I did periodic risk assessments) when I finished my therapy however I was able to work through a lot of it with education, peer support and exposures or goal challenging. I would advise though discussing it with your therapist and see what the feedback is. You don't say if you have any maladaptive behaviors (drugs, booze, self harm, etc.) or not, but I'd take that into consideration as well in addition to any depressive tendencies or cycling.
I did get progress post therapy... but I also took aim straight away with my most difficult stuff and stayed on track with the process. I am now low risk and about 4 years post therapy. Quirky at times, but much improved and still going... haven't found what I call my "highest functioning level" yet.
Good topic!