End of era questions

As we are not far off the end of the current era, I've got a few questions which will help me decide how hard to push before it finishes.

From my understanding, every player should be able to get to level 65 f2p. However what is the maximum level you can get to using just crystals? I buy the episode pass and would be happy to spend crystals to top up a few levels but really I'm trying to decide if it's worth it/achievable.

If level 75 is Relic levels, not having to take 7 characters through g12 would be massively beneficial and allow me to focus on old characters, actually catching up in this game. Currently materials from (somepoint) between 65-75 are currently only able to be purchased with actual money. I know this has changed for earlier levels as the era has gone on.

Secondly does level 74 translate to the same as level 65 - just g12? Or does say level 70 translate to g12 but 3/6 gear 12+ pieces are complete?

I'd really appreciate clarity on both these questions are we head towards the end. Apologies if the answers are already out there.