[C1QP0X]

Hm, good question I'm curious as well, does "ready for level x" count as being level x?

I'm glad some one shares my curiosity and thank you for simplifying the question. The bad thing about it is though, you can be level 1 and actually ready for level 5 if you bank your experience long enough. This is why I am concerned.

Your overall hit dice, not XP, is used when determining encounter difficulty. So in your example, a level 2 PC with 192000 XP will still be treated as a level 2 PC for the purposes of generating an encounter.

I see. Thank you for clearing that up Thayan. Would you ever consider putting something in the "Character Options" to turn off experience gains?