I hit HR100 last night, the game has a lot of different features to it, and new stuff is added fairly often.
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I mean, IB is a pretty big thing, got a good questline, lotsa new stuff and monsters. So there’s a decent amount you will be “[i]missing out on[/i]” without it. But I think you should stick with the base game and see if you enjoy it enough to finish it before getting IB.