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Don't worry about the points, just take your time and get it done right not fast
I was going to suggest going to unrated mode and reviewing missed tactics, but then I realized you have done only 431. You just need to spend some more time on the TT. I'm not saying jump on the first move you think might work, but I figured with two posts on the subject that you had done thousands of problems and you haven't. My suggestion would be to bang out a few thousand problems and then review in unrated mode. All the pressure is off and maybe you can identify a few areas that need improvement.
Does tactics trainer give you different-difficulty tactics based on your tactics rating?
If not, then why would anyone care about finishing the tactics puzzle fast; just take your time and do them correctly. If you are a slower tactics person, just pick tournament with slwoer time control in real life.
On the TT at chess.com, I suggest ignoring the ratings and the pressure to make a quick decision. For a long time we've been complaining about this site's TT, where you can be given a mate-in-one problem and gain a lot of points, a tricky multi-move problem where you gain 1 point if you don't solve it in 7 seconds, or be given a 5-move problem where you are severely penalized for missing the 5th move. Personally, I prefer another site where the rating algorithm makes sense, the problems are a little harder, you can afterward play over the actual game the problem came from, and where you can choose between no-time-pressure, partial-time-pressure, or full time pressure. I also suggest learning all the tactical motifs at these sites:
Get a good book on tactics
you are 40-4 in daily chess and horrid 1200 player otherwise; you stole those points; terrible; put away your engine and learn something; nobody acquires your ratings without acing TT in the dark, so put your excuses aside; lies do not work in chess.
I can agree with this strongly. Also you might get a problem where you get 2 points for getting it right but lose 12 for getting it wrong. Or as you say you get a tricky problem and get 4 of 5 moves right yet lose points. Although it depends what you define as tricky.
But if you can afford it I'd suggest diamond membership. When considering which of the paid options to go for I went for Diamond because of unlimited tactics and lessons. But if 25 a day is enough for you and you don't care for videos get the cheaper option. See what suits you.