Can't remember what level the monsters are for where you are at in the game, but what i did to check was to go to Tarturus for a night after i reached the top and fight for a bit. Once you don't have much difficulty with the monsters then you should be okay.
As for the end game, 75-80 should be good. 75 might be pushing it, so go for 80. At 80 you should be okay as long as you're careful and don't rush.
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