You should really then finish the game in the first place, the ending does leave some ends loose.. Or at least shows that things may very well be not over yet for our hero
As for levels, that does not really matter if your main char is lvl 20 by the end.. With BG1 and ToSC the level cap was also raised, my main char was lvl 12. I imported him and he was lvl 7. So I lost some levels and exp and - don't remember but prolly - some proficiencies also. Well, no biggie, worked up again. So if there will be BG3, new chars may all very well start from, say, lvl 17. "New BG" would prolly use 3rd edition rules also so things would be different.
Besides, there is no problem of creating tough enough mobs who can wipe the floor even with your and mine lvl 20 char
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