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Am I wrong in assuming that Lv90 is just the minimum required level to start the very first quests? Surely the only ~Lv90 mobs would be things like the Wraiths and the Phantom Trees and the Leprechauns, right?

Not unlikely, but that would probably mean that the final quests will still end long before the levels that actually need content. I doubt bigfoot will be lvl 180+ and do 50k touch damage.