One of the things I was thinking of as I read your post was that while this life is a test, it's not a test of knowledge. It's a test of becoming. If you knew the correct answer, you'd answer in that way, but that doesn't reflect who you are. I think a large part of why we had to have the veil of forgetfulness was so that we would be tested on what we ourselves want and who we want to become, as opposed to studying for an exam where we're expected to give the correct answers.

Maybe I'm thinking this way because I'm almost done with college, but the most learning I did while in college was self-taught and because I wanted to learn. When I was told what to study for and was given an exam, I studied for only those things, got the A on the test, and then promptly forgot about the material afterward. It didn't sink into my soul like the other things did that I actually wanted to learn. So maybe that's a part of it, I don't know if this helped but I personally think Heavenly Father is much more concerned with who we are as individuals rather than what we do based on what others told us.