First off, the fact that this was poor planning on my side is obvious.
Coming from FFXI, I figured I had another bar to fill. Back when I played (when lvl cap was 75 not 99/100 whatever it is now) you had a full exp bar after you hit max. So I figured it would be the same here. But my complaint is that once you hit 50, there is no pool for extra xp. I understand that the xp pool in XI was b/c u needed a buffer in case u died and XIV has eliminated the de-level headache. Even still, u can't tell me that they plan on leaving the level cap at 50 forever.