I think it mainly depends on the difficulty. Anybody should mention what difficulty he is using to know the relations. I'm on Classic, as said, and till now (lvl 16) it's quite relaxed, item wise. I used Thievery the last time with level 10, to get some money for better weapons than that of Act 1. Lucky Charm gives you a lot of good items you can sell, it's ok.
My biggest complain about the items it that higher level stuff looks bad, especially the human Finesse helmets and the boring clothes, but also the heavy helmet for the elves after level 14, terrible.
Hmm, the last fight is level 20? Really? That's only 4 levels left. Do you mean in Driftwood, so Arx is higher levels?
I'm curious about the coming fights. Till now I lost one fight, against Alice A. on lvl 14, she eliminated my whole party in the first turn.
It was so satisfying to repay her dearly with lvl15.
