And to compound that, the best gear items are accessible really early in the act (stuff from Magic Shop if a wizard, Avernus run, Saravok's gear, Baldur Gear, Lightning Trident, and shops) as soon as you feel tough enough to attempt it. Its a shame, because there is a LOT of great story in the tons of side quests in Ch3, but if you were thorough prior to reaching it, you are basically at level cap an hourish into it and can pretty much beeline to the good gear immediately.Also kinda bad design that you easily reach lvl 12 before even a third through act 3. Much less incentive to keep questing. Sure there are still some nice equipment to grab but most items are kinda meh overall.
The one exception is the rapier you get for the hag quest (massive pain in the ass, but worth it) that makes certain builds completely amazeballs. That one takes a lot of questing and not fucking it up to obtain. Stack that against Raphael's home, which is literally walk in the shop and go, and the amount of amazing loot that side run nets you. And even on tactician, Raphael is still very doable even prior to level cap if your party is even remotely optimized. Ch3 was fun, but its very uneven and can be facerolled if you nab key items really early.