Don't worry, the margaret's fight only happens on the second playthrough.
You'll learn levels faster once you get to the deeper levels of Magatsu Inaba, trust me ;) Also, once you finish Magatsu Inaba, the game will flash forward to a day when you'll be asked more questions once again, and that will branch once again to the good or to the true ending. Plus you can do margaret's request all at once in one day, if you have enough Yen and Personas to fuse them all. You won't be able to finish the requests until you hit level 67 though.
Current PC Build
CPU - i7 8700K 3.7 GHz (4.7 GHz turbo) 6 cores OC'd to 5.2 GHz with Watercooling (Hydro Series H110i) | MB - Gigabyte Z370 HD3P ATX | Gigabyte GTX 1080ti Gaming OC BLACK 11G (1657 MHz Boost Core / 11010 MHz Memory) | RAM - Corsair DIMM 32GB DDR4, 2400 MHz | PSU - Corsair CX650M (80+ Bronze) 650W | Audio - Asus Essence STX II 7.1 | Monitor - Samsung U28E590D 4K UHD, Freesync, 1 ms, 60 Hz, 28"









