I agree with you wholeheartedly that God is a loving Father and I can see your line of reasoning. It would be nice if we did not have to struggle and/or as you said: “…be tested…”. The concept of being tested, to me, has a broader meaning than what you described. To me, a lot of being tested is that the Father needs to allow us, his children, to prepare to dwell with him as glorified resurrected beings and this requires that we prepare in this mortal state by learning to live the gospel, in other words, to follow Christ by keeping the commandments.
21 ¶ Not every one that saith unto me, Lord, Lord, shall enter into the kingdom of heaven; but he that doeth the will of my Father which is in heaven. (New Testament | Matthew 7:21)
Since none of can do this perfectly, he has “suffered” for the sins of all mankind, so that if we will exercise enough faith in him to repent of our sins, be baptized for the remission of our sins and be cleansed or sanctified by the reception of the Holy Ghost and endure in righteousness to the end of our mortal lives, we can be saved from a spiritual death meaning being separated from our Heavenly Father and Christ forever. The test is to see who will follow the teaching of Jesus Christ.
6 The Spirit itself beareth witness with our spirit, that we are the children of God:
17 And if children, then heirs; heirs of God, and joint-heirs with Christ; if so be that we suffer with him, that we may be also glorified together.
18 For I reckon that the sufferings of this present time are not worthy to be compared with the glory which shall be revealed in us. (New Testament | Romans 8:16 – 18)
I believe that our struggles, suffering and even pain, helps us understand a little better the pain and anguish that Jesus endured to answer for our sins.
8 Though he were a Son, yet learned he obedience by the things which he suffered;
9 And being made perfect, he became the author of eternal salvation unto all them that obey him;
(New Testament | Hebrews 5:8 – 9)
It is the struggles in life that makes us grow. Think of what would happen to a person who was weightless in space and on intravenous feeding so they did not have to move a muscle. They would soon atrophy and die. I believe spiritual growth and even emotional and intellectual growth requires overcoming resistance. If you sheltered your children from any challenges in any of these areas, including having to work, they would grow up to be pretty much socially, emotionally and physically inept to face the challenges of life, would they not?
The scriptures supports the value of more than living righteously but suggest the need for our suffering tribulations.
7 That the trial of your faith, being much more precious than of gold that perisheth, though it be tried with fire, might be found unto praise and honour and glory at the appearing of Jesus Christ: (New Testament | 1 Peter 1:7)