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There are XP cap removers for NWN. They don't work with HotU and possibly not with SoU either.
What they do is basically extrapolate the xp needed to advance, give skillpoints as always, and give feats every third level (more if you're a fighter). They also increase saving throws and your base attack, and spells advancec as normal too I do believe.
These are typically hak packs, meaning you can't use your level 81 character as a valid character in most places. Using it as an invalid character, you won't get any of the bonusses of your last 61 levels except perhaps feats and skillpoints. I've no idea. While I respect the effort people put into it, the end result isn't so thrilling I'd consider using it for myself.
Are there modules which'd challenge such a character? There probably are a few. There'd be more had the cap removers ever become popular.
There aren't any for HotU yet either, and I doubt there will be soon. It's just not pretty like it is in the BG series, because of the way levels are set up.
So the best thing to do would be feeling glad that HotU lets you advance an extra 20 levels. Myself, I think a cap at 20 is and always has been plenty.
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