I think though, the definitions of "at level" differ between you and dengal. Based on your posts, I would assume your definition of "at level 16" means a multi TR characters with twinked gear at level 16 (which in my opinion are on par or probably better equipped than the average level 20 first life toon), whereas dingal probably refers to "at level 16" meaning a 32 point build with some raid gear and beneficial named items, but certainly not a finalized inventory.