Would pulling for ineffa unbrick my account? Or is she not necessarily needed?

Why would your account be bricked to begin with ?

You already have a pretty good roster , yes Ineffa can slot can slot in a lot of teams but Zibai is also coming that will work great with Columbina Geo team

just a tip that you can use the Hoyolab app to efificiently and easily share your whole character roster with more information and details like their constellations. Go to the globe icon at lower bar menu > select Genshin Impact > select Hoyo Guides > select Battle Chronicle > select All Characters

I've been breezing through Nod-Krai with Skirk, Xilonen, Mavuika, and Zhongli. I don't see how you're "bricked".

are you asking because you need a second luna character for columbina? if so, Aino will slot in fine for the most part if you need the ascendant gleam more than a 4th character. Ineffa will work in basically any Columbina team, even if its not luna charged focused so long as the other team members are applying faster than ineffa can, but i wouldn't call her required or your account bricked. more Hoyo's design philosophy for luna reactions needs more flexible characters than the current ones. Ineffa not necessarily a good option, just the only not bad one that also happens to be decent, since lauma instantly turns into a luna bloom support in ascendant gleam. there really isn't any actual synergy outside her burst's EM buff as far as i'm aware, so Aino or Jahoda would slot in just fine if you already own them.

if you believe your roster is bricked, should stop playing the game already. it wont get much better merely with nod krai chars.