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What's the right time to (or when do you) visit Lonelywood?
Not until recently, I didn't know about the fact that you could return back from Heart of Winter (albeit after completing it) by talking to Hjolder, and then go about fighting Belhifet. Now that's great! Firstly because starting HoW with an imported game from IWD causes you to lose your containers (and all the precious loot in them that you have gathered with so much toil and struggle), and secondly, doing so feels quite unbalanced and too easy. The last time I stared HoW after defeating Belhifet, my solo Sorcerer was already level 30. No level-ups meant that I didn't get that impulse to continue further. (I wish we could go till level 40, but I think that would be too over-powering.)
I have heard that there is a certain XP limit after which you can talk to Hjolder in Kuldahar and go to Lonelywood. (Can someone please specify the exact value?) Now, my question is: when is the right time to start HoW? At what point in the main game should I go to Lonelywood so that HoW feels balanced, and even after returning back, the main game is still challenging? The "right time" may also vary with the number of party members and party composition, so advice on that aspect is also appreciated.
To be specific, this time, I plan to do a solo F/M/C run on insane. So considering that too, what would be the right time in this specific case?