I finished the game at level 33. I also took off my citadel armor, so that I could kill all the guards in the citadel. I was hoping that they would have the necessary keys for the locked 'occupied door' or the locked chests that I found. No such luck, though. I had intended on laying waste to the temple as well, but I entered the catacombs before doing so, and I could not return to the surface. I had hoped that when I finished exploring the church catacombs, that I would be able to return to the surface, and again no such luck. I didn't feel like reloading in order to kill the citizens, and having to redo the catacombs, though. I just wanted to proceed to act 4 at that point.