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It can start there, but it's usually latter than that.
Without free plat and those 10 plat cryo gear crates I would have quit midway to 56.
This is compounded at end game. Wanna farm? Need good...

My pve skewed personal answers

1: event runners (scaled boss runs) and twinks

2: less effective at runs

3: much less effective

4: yes, looks like popular twink levels or levels with good...