I think level 5 is where it starts happening.
Xp loss is based on the xp it takes to complete the previous level.
Xp loss during a hell level before level 52 will be something like 4%.
Xp loss during the level immediately after a hell level will be soul crushing (~16%).
Xp loss during the 50s where it's hell after hell is terrible. Get rezzes in your 50s.
As a bard you shouldn't stress about xp loss for the first 51 levels or so, xp loss is just not a concern for bards.
You can die 4 learning deaths and then make up for them and then some in one pull if you want to.
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