I want to clear up something about how XP penalties work for epic levels.
For the purposes of determining whether there will be an XP penalty, we calculate a player's level this way:
# Heroic Levels + # Active Destiny Levels
(or 20 + active destiny level)
We do this to provide flexibility. This means someone that has, say, a level 4 destiny and TR's, once he hits level 20, if he makes that destiny active, he's considered level 24.
Conversely a level 25 player can switch to a new destiny and be considered level 20 for the purposes of XP penalties.
We welcome feedback on this, especially the constructive kind.
EDIT: Based on feedback, this change will be reverted. Thanks for the feedback!