Your take on the experience cap it totally wrong.
The cap is *per character*, not per party.
You could (in theory) raise every single character in the game to the XP cap. That is, max out a party of 6, drop the 5 NPCs, bring in 5 new NPCs raise them to the cap...
I'm not sure what the SOA cap it (2.75 million?), but in TOB its around 8 million.
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