Seriously, why overlevel? To beat stronger monsters such as Elementals/Entites early? If you have trouble with a dungeon or boss, it could mean that you are underleveled (or need a better strategy and gambits) but still. I would probably assume that overleveling is to make the game easier, but things such as being lvl 38 at Barheim is really unnecessary; unless you just want to just cruise along the game with 0% challenge, if that is the #1 reason why you play or enjoy RPGs.

People might accidentally overlevel from trying to collect lots of loot, but only by about 2-3 levels. Aren't games (especially RPGs) supposed to be challenging, and by overleveling, you take the challenge out of it? After all, that's why some people even prefer to be underleveled (my pal Goldenboco beat the game at around lvl 43, me around 46, and of course those who have done the 122333 challenge).