4) Me to, if leveling up had been consistant throughout the game would have finished at 21st level. Assume TSL is slightly longer then the character would expect to level up 21 times. 4 + 21 = 25, still less than 30.
3) HotU comes to mind imediatly (level 15), however as I remember the Final Fantasy games didn't start at 1st level either. I think Cloud was level 7 at the begining of FF7. Edit: and BG II of course.
2) I think Hades covered this one
1) It could be done this way:
Near start of game (PC 1st level):
"Aye-up chuck, I'm Kreia Weatherwax the Lancre Jedi. You're looking a little out of touch with the Force. Let me fix that for you." (Waves hand)
** LEVEL UP **
** LEVEL UP **
** LEVEL UP **