I'd assume you'd need the disc to play the add-ons. They're calling them "expansions" to my knowledge so I doubt these would be standalone DLC's, but who knows?
I think the XP is too high for side quests only because I've been leveled too high for the main missions pretty much the entire time. I'm ok with it but I wish the side quests granted less, mainly to keep the main quests a little more difficult.

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