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What level you're at depends not only on how many quests you've done, but whether you've used a henchman/summons as well. If you've soloed it's likely you could be level 17 at chapter 4, but if you've used a henchman you'll probably be more around level 14 or so.
You won't be able to finish the henchman quests in chapter 3 until you're level 15.
Basically you'll get all quests if you talk to everyone, and go everywhere. There's not that many side quests really.
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