Hi, i just wanted to share my experience about this matter:
I'm playing in a full party and i have done most of the quests at the point i'm now in hard dificulty. Including quests in my castle (bounties - 8 in total). AND, i'm about to start Twin Elms area with cap level. I am really dissapointed about this to be honest. And i believe they will fix this in future patchs because it can't be complex.
So yes, i'm finishing the game but the experience for me will not be the same since the rogression is already gone.