If you keep ur current gear and don´t allocate other passives/stats and stuff you should probably get ~ 100 then you will feel that the enemies seem like bullet sponges and you fight every other tankier mob for quite some time.
But yeah, without changing anything.

well .... Any better item I get I will put on .
And off course I will put any new passive and stats point I got ... those things are imperative for everybody I assume

i'm 71 atm, haven't looked into optimizing gear AT ALL, some shit i've had on since lvl40 or earlier, 18k hp 4.5k shield, crit/crit dmg 2h gaavanir build i'm one hitting everything except bosses 40plus lvl higher, i do get 1-2 hit by bosses if i'm not careful though so maybe your build will be less stressful to play by the sound of it... and go over 100 as well easily.

I'll play the same skills and made it solo to 187

After you hit 157 it will be harder and you need to drag some groups into boss mobs, but its possible to grind to the max, ofc I died a couple of times.

Now I am lv77 on 210K HP good res and really good dmg :)

I finished Ascended Expedition level 187 which is currently the highest in game with with full mods added to maps character level 77.
Current item level cap is level 189.
Gold is easy to farm so I would recommend upgrading the building to exchange essence so you can respec when needed if you hit a wall when progressing
also upgrade Trade Market to be able to get Reagents so you can re-roll high level items to best suit your needed stats that you find along the way