Just a small hint to players with personal story hardships that might help: your equipment is down-levelled with you. Meaning if you are a LV 25 equipped with green LV 25 equipment, you are going to be powerful in all down-levelled situations. If you are LV 25 with white outdated LV 18 equipment, you are going to be extremely weak when down-levelled.
TL;DR: Setup your equipment to be the most current possible just before doing personal quests and you’ll have much less problems.
p.s.: I am not insinuating that all problems are related to this. Some quests ARE unbalanced.