But you can set the game to easy and you won't have any problem whatsoever in the game without significantly outlevelling the enemies. XD I really wouldn't use that XP glitch. In the main quest line you are perfectly fine without it. Only that darned toad in Hearts of Stone expansion ever posed a real threat. If you at one point would like the game a bit more challenging because you come to enjoy it and the combat system you can't really undo it and you've ruined that playthrough. That's how I feel...
I've got 220k money now though, which probably makes me the richest Witcher in my game world.

And when one of those dirty beggars in Novigrad is rude to me and calls me a freak or makes that spitting sound (that's the worst! D: ), I'm like: "Do you know who I am? I am fucking rich, bitch! I can buy your life!" Yeah, I really immerse myself in a game world. XD
By the way, according to players who already got Blood and Wine people in Toussaint are very fancy and posh. Even normal peasants, thieves and guards. When they insult you, they do it in rhyme.