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Well first you don't have to do the whole underdark before you can leave. If you don't want to install ToB while in there, you can just do the bare bones of it, leave, install ToB, then come back and do the bits you didn't do. The limit is actually higher than 2,800,000, I think it's 2,950,000 or something. Yes ToB does change some things, I can't think of many, but one big one is that the cloak of mirroring doesn't work the same as it did without installing ToB. But then you'll start getting high level abilities in SoA when you pass the exp cap which is a plus.
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