How to answer this without a spoiler? There is no way, soooo:
SPOILER ALERT
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1. Gaelen will make a lower offer - a messenger will come to you to tell you that he has a new offer - don't pay before this.
2. Jaheria will not be called back to the Harper hold in chapter 2 (that is, before paying Gaelen). This is the beginning of a long and drawn out series of encounters - so it's better to start this asap.
So my advice is to pay as soon as Gaelan offers to lower the amount. After this, you also start getting offensive encounters with vampires - so you will gain more XP...
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