I will throw in a few more chars so that we have more chars to compare/reference:
LV 30: Yue Ling Shan (XA) - After learning secret arts in Mt Hua Cave.
LV 25: Ah Zi (TL)
LV 25: Most of Duan Zheng Chun's wives (TL) - Qin Hong Mian, Dao Bai Feng
LV 25: Zhao Min (YT)
LV 25: Yin Su Su (YT)
LV 22: Yang Guo (RO) - When Li Mo Chou invade the Tomb
LV 22: Guo Jing, Huang Rong (LO) - When they first met each other
LV 20: Cheng Ying (RO) - Pre 16 Years
LV 18: Guo Fu (RO) - Pre 16 years.
LV 16: Lu Wu Shuang (RO) - Pre 16 Years
LV 15: Mu Nian Ci (LO)
LV 15: Yue Ling Shan (XA) - Before learning secret arts in Mt Hua Cave.
LV 10: Zhong Ling (TL)
Thanks for the info on ZZR defeating Zhu'er. In that case Zhu'er might not be that strong (despite her poison skills).
I feel that early Huang Rong is a good point of comparison. IMO all the chars listed as LV25 should be able to edge out early HR. I am doubtful about ZZR though. Was she that talented? I think LV25 for her age and experience's is pretty high