In the game? I believe it used to be based on you protagonist level , so a 10th level bard (160000 xp) would find minsc at level 9 ( even though it takes twice as much xp for a ranger to reach that level). I realize that it is a bit different after the latest patch. As for level-based monster encounters, I believe it is also based on the protagonist's level, which is the highest one in case of dual or multiclass (even if the original class is inactive).
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As for level-based monster encounters, I believe it is also based on the protagonist's level, which is the highest one in case of dual or multiclass (even if the original class is inactive).