Quote Originally Posted by Doctorwhoa View Post
Raising levels also increases your stats which is important because you're facing bots in battle whose stats you can't match.
Are you sure about that? I do not recall having any issue with the lvl 43 bots after I spent a few millions on raising my hardcore.

As for the "lost xp" from doing everything there is to do before the next lvl cap, BG did actually do that when Tales of the Sword Coast came out, which did raise the level cap. You could have continued with your existing party, which may have "lost" said XP if you did the quests before getting the expansion. Not to mention that you could always swap your companions to level those as well, instead of doing the quests with your maxed ones.

Still, at this point in the game, the money is (at least for me) much more important than XP. Level 40 stats require about 3 million each, and the girls cap at 68K xp, which is a lot of books. So my play style would put getting the girls much higher than saving player XP. Your play style may differ, and that is absolutely fine.