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Do I have to pay for each level

Is there additional cores needed for the rest 2 levels or can i unlock all with these 2 cores


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I think these are still accurate all these years later. Just goes to show you how little they've done for masteries despite all the "coming soon" stuff.
As to Willpower, I believe WAY BACK WHEN they made some changes to it, less people were taking it beyond just Level 1 anymore.
(Healing used to be linear each Level. 0.5, 1.0, 1.5. Then they changed it many years ago to the current. So more than Level 1 is not as useful to most people anymore)
(same for Dexterity).
Unless you want to squeeze out the little bit of extra that 2/3 Willpower gives you.