Only maxing warp is not very whale-ish in my opinion. More like a dolphin . But joking aside, the maximum got raised again. That's all. It started out with 10000 I think. It was 30000 once and then 50000. They did this shortly before or after introducing new girls.
I do not understand the term soft cap in this context. After googling it ... there is no soft cap. If you want to complete the last girls within a few month, withoud "real" whaling, you need to be near the max warp and have a few thousand in reset bonus. How high your reset bonus is, determines, how much warp you can afford not to have or how much you will break down the months for the latest girl.
Current order of magnitude guess: If you have 3 digits in M of total bonus you have 1 digit in weeks for completing Lin.
I made a table for that kind of calculation/guess, it is in the wiki. Look at your current money income, as you have noticed, you mainly have to wait for cash now. The last 4 girls together need ~1500qd (Twins needed 4qd ...). So if you do only make 1qd per day, we are looking at several years to wait. With your stats, I guess you make 12qd per day. You might increase this with filming and leveling the buildings by x2 and doing challengs and the occasional time travel ticket gives money too so my guess is 2 month if you stop resetting now.
So to decice if you should or could stop resetting, you have to ask yourself, if you can and want to double your reset bonus in 1 month. This is doable, but you will be resetting twice a day. Of course this is only a guess. A magnitude shift of x2 is quickly done, but the cash calculation will give you a maximum wait time with 1 hour precision - income per hour is known to you and money requests of the girls are known too...
On the reset max:
Since there is a practical diminishing return in raising reset bonus, there might not be a maximum. Since they did not write a maximum next to the number as with warp bonus, this might be so. At least it would be very lame to have a maximum and not tell the players. You have limits on resets due to fake its. So doing it faster and faster is not an option. And higher girls do not give more bonus per time. So a practical number is 100 per day. Should you aquire 36000 in reset bonus (by resetting a whole year every day twice) it ist still only a x10 to 3600. And as we should know by now, with max warp and 3600 you can just wait a few month and complete all current girls. Speed only gives you the ability to complete the girls. There is no use for speed in challenge or training girls - wich is difficult if you are resetting.