Honestly I've tried thinking at low levels and it's just way too easy compared to endgame. End game isn't just gear and luck. I've played with teams that have better gear than my team and we still win. The community at endgame seems to have the largest audience of pro players from the beginning seasons. So from experience, endgame (41) requires the most skill in terms of who you are fighting and the fast paced decisions you have to make to prevail in endgame