Just reroll a new character if you're at the cap.
I play on PC & when I first started, didn't bother with the games for windows live thing. Then, the first expansion came out & I realized it couldn't be played unless you logged into G4WL. Once you did, you were a new user, & had no access to the other data, so I just rerolled.
I've now played through the main story & all the expansion, including Point Lookout, & am level 28.
I also got to do all the things I didn't do the first time through: blew up Megaton, got an apartment at Tenpenny's, & got in with the Slavers.
Then Broken Steele came out & used the Karma perk to be good again.
As for Point Look Out:
It's pretty cool & has a real "Lovecraftian" Vibe to it. I also play on hard & since the introduction of the level 30 mobs (Mutant Overlords, Feral Ghoul Reavers) the game has gotten much harder. I've got a lot of the named weapons & they all seem to do jack **** to these mobs. And while the Mutants aren't around the Point, Ghoul Reavers seem to be a part of each "pack" of Ghouls you run into.
And the "hick" mobs that are unique to the Point? Also very high level.
At the moment, I have completed the Spy quest & gotten a named bolt action rifle. Besides my Alien Blaster & Tesla cannon, it seems to be the only thing doing much damage to these mobs. Haven't found the named Double Barrel Shotgun yet, but the NQ one doesn't seem to do much.
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"The Rich are there to take all of the money & pay none of the taxes, the middle class is there to do all the work and pay all the taxes, and the poor are there to scare the crap out of the middle class." -George Carlin
As to the Reavers making the game harder, I have a Ghoul Mask, whenever I wear it I don't get attacked by any Ghouls unless I attack one of them first. Super Mutant Overlords really aren't that hard, my Gatling Laser makes short work of them.