I've beat the game with my party in the low 20s.
For mid 30's and mid 40's. If you have Coral Rings on your characters to be immune to the lighting, and immune to poison. Be good at keeping your party alive then you can probably take on Grand Dragons. Just beware they are around lvl60 I believe if I remember. (it has been awhile).
Not down for Grand Dragons? You can try maybe the Lost Continent or even some of the islands on the west side of the world.
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