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Actually nothing is totally "set" in NWN, except some special drops at/from special mobs. The game looks at your level, and that's what makes items spawn. Easiest way is to get some of your chars to lvl 20 and then go with them again through the game - notice the drops you will now suddenly get. +3 weapons drop like common trash, some pathetic Gang Leader in Peninsula District, outside of prison, drops Red Dragon Armor (yes, the same what you get in CH 3 near Klauth). Fire Giant STR Belt from some random chest and so on.
It's all level related. If you hit the game end with the char being not maxed out, you most probably wont get all these neat drops either. If you have some multiclass char, then maybe you wont get either, not sure how the game calculates the loot based on the levels - one class level, or both..
It's mostly random here and the high lvl of your char is the weighted die here.
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