I just want to make sure we’re on the same page regarding what time and XP investment is needed to reach what milestones.
At 70, your build can be completed. You have enough passive points to get to any skill combo you need for it, the skill level cap is 20, highest it’ll be, and almost all uniques and items are equippable at that point. That requires just 5.2 million XP.
At 85, you can equip all items in the game other than some truly exceptional exalted items involving multiple T7s and a Sealed Affix. All unique and set items are available, and in almost all cases and for almost all builds, there are no items you can’t wear, skills you can’t use, or passives you can’t have already obtained. Though you have 98 of 113 total passive points, your character is pretty much 100% complete. This is at 28 million XP.
To get to 100, takes 332.5 million XP. No joke you can level up a half dozen characters to 85 and have fully complete builds in the time it would take to push 1 character to 100. The highest I’ve got is an 87, and given that each level is now 5 million + XP (that of a level 70 character), I’m not likely to get it too much further. It’ll probably hit 90 soon enough, but no way I hit 100.
And that’s fine. I’m perfectly ok with that. They could also cut the total XP to 100 in half, change how insanely high the XP per level scales up to past 85, and that would be fine too. The last 10 levels, as others have mentioned, literally don’t matter for the sake of completing a character. Apparently the devs want folks to still be earning XP until they have a lot of hours on a character. I get folks who want several level 100 characters being annoyed by that, I also get folks preferring to still have “progress” to make on a character more than 30 hours in. Both sides have valid points, as it’s just a matter of preference.
But to be clear, even if level 100 is quite the slog, it only takes no joke 1/10th of that XP to get to where a character is “finished”, has access to everything, and is only picking up a passive points’ worth of power every few hours of additional play.