Tanya Chapter 1 part 1. You took an oath in heaven before you were born. Now what?

Here’s the oath we took before we came down here – be righteous, don’t be wicked, and even if the entire world perceives you as righteous, regard yourself as wicked in your own eyes. How do we interpret this? Isn't it risky to view ourselves as wicked? Such a perspective could lead to either depression or apathy. Let's examine five categories within the Jewish people to gain clarity on this matter: two types of righteous individuals, two types of wicked individuals, and a beinoni. What defines a beinoni? How can we articulate their essential nature?