Early 30s saving a decent amount per month – pay down 4.3% loan with all savings continuously, or use some to invest in ETFs (VT)?

I save an average of $3k USD per month. Should I use this entirely to pay down the principal on a 4.3% interest loan, or do this partially while also allocating to ETFs?

If the latter, I'm new to ETFs, don't have much of a risk appetite, and would prefer not to think about it or check it. Long-term investing is ideal for me. In this case, would VT be best?

Edit: net worth roughly $330k, about $15k liquid at the moment. Do not own a home; starting the process of home ownership is a goal I'd be looking at in hopefully the next 5 or so years, but would have to see.

Thanks