We hit level 40 something last night and exp has slowed to a crawl, a couple hundred zeds gave almost a level during horde night. Almost. Maxing out a couple attributes seems almost ridiculously hard now.
The goal is that by level 40 or 50 you have your basic build locked in it seems to me anyway. My basic build is 6-7 str (I use a cigar for +1 str and 10% barter if I find/craft one), 5 fort, 3 perception for a start. Sledge/shotgun/sex t-rex/miner 69'er skills in str, fort is living off the land and healing factor 3 as well as some into mguns and probally heavy armor. Perception is for salvage ops 3 and lucky looter 3. Int perks are mostly worthless to me, as are most perception and agility perks. Only thing I'd want in agi is handguns as the pistol can hit upwards of 60 damage with a good t6+mods before any perk/book damage bonuses. It also has the most common ammo that stacks the highest.
I play on warrior difficulty and so far this build is the most viable i've found. You can skip the perception if you wanted to. Once you get a god pump shotgun and the tube mod to up its clip size, and some perks in the shotgun line, you can 1 shot male ferals with standing headshots, and have a pump shotty with 12-13 round clips. Sledge is by far the best melee weapon followed by clubs, not just for its damage but the fact it knocks down extremly often and a zombie thats knocked down is pretty much a free kill.
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Clearing will also vary on how much time is spent looting/scavenging. I think it can already be modded to award skill points if the devs dont add it at this time.
I've never done a t5 quest yet but as long as the quests are not too common it should be okay.
T5 quests are generally in the HUGE poi's like the shamway/shotgun messiah factory and the big hospital, they generally take an hour+ real time to do if its a clear one solo. Depends how you fight, I mostly melee, so that makes it take a bit longer as I have to get close, if I was to use a shotgun instead I could probally shave 30% of the time needed off as I could pop zombies across rooms. Once you unlock t5's you generally get 3 t5's a day and 2 lower tier quests from each trader. T5 Fetch quests are very quick, but they also seem to be the rarest ones to show up. If its a t5 fetch I usually just beeline to the satchel, then beeline to the loot ignoring most zombies along the way.