Happy to help!
Looks like the tower was 90% of what I had left in the game. I would have completely missed the encounter with Jasper and Quinnith at the docks if not for the heads-up. The boss at the third stratum wasn't trivial and I completely wasn't expecting a fourth party member for it, but I don't think I felt on the ropes too much with a stockpile of every healing item and four party members to carry them. The company man miniboss was tough at first but I ended up with a fairly effective turn 1 lock-in strategy of shank > kyrie aggro stance > death threats > mute all.
The self-insert miniboss was a fun diversion but I went in expecting a joke boss that couldn't actually cause a game over and got my ass kicked. I don't know if I misinterpreted the situation, but a boss fight that you trigger by talking to the NPC twice at a weird side area two floors into a no-save zone was unexpected, and the auto-heal made it seem like it was designed to be unfairly hard to win (I didn't try very hard to win, because I misconstrued it as a repeatable test-your-strength kind of fight, so I can't actually speak to how fair it is). I travelled back after the game over but didn't talk to the NPC twice, and I missed my chance to try the fight for real. My thinking was that I wanted to save once I cleared the stratum and come back, and that the bus stop was a surreal but persistent part of that floor. This was at least true for the chandelier, which I also saved for a second climb.
Since no new quests are available at the bar, I might dip back in and try some more of the bounties. I was completely expecting the adventurer-killer to be Quinnith and Jasper to be a victim he was setting up to ambush in the Tower, but it seems I have to look around more than that.
I ended the game at level 14 with $6421 (pre-rent, which is currently around $2k) and 10:33 playtime. I spent a lot of that time wandering and not a lot of it running from fights or bribing them, so I got lots of items and stat pills - I could barely believe that the raccoons in the forest still dropped those when I returned to sell souls. I'm not a completionist usually but I have a lot of patience and little common sense so I'm not surprised I've been playing for over double the expected playtime. I think I bought 4 illusion level-down potions too (at least, I don't know why else Ramona and Kyrie would have 5 mat). I can kill a car in one round which would probably be an achievement if I were playing this on steam.
Ramona
1115 hp, 71 atk, 83 def, 5 mat, 51 mdf, 70 agi, 23 luk
razor dirk, mack's eyepatch, casual fighting slacks, bulletproof business shirt, blessed work shoes, focus charm, tanky armband, tiny skull
got her church meditation skill
possessed at the shrine, got better
Devon
997 hp, 26 atk, 60 def, 101 mat, 112 mdf, 58 agi, 71 luk
basic bat, blessed shades, dark shorts, cutesy punk shirt, laced boots, sleepy flute, lucky feather, devon's phone
Kyrie
953 hp, 85 atk, 54 def, 5 mat, 33 mdf, 73 agi, 63 luk
blessed construction hammer, cat shawl, jogger's shorts, casual shirt, jogging kicks, lucky feather, holy heart necklace, tool belt
got her church meditation skill
Bugs and other issues
Perfect lunge exhibits the opposite effect of its described "upgrade" - Ramona is left off-guard, but the target is not.
Equipment list overlaps with character description in a fully-equipped character's status page.
No character description for Kyrie in the status menu.
Typo: "It's a more expensive restaurant" has no punctuation when visiting the restaurant at the docks
I found the schematics outside the Chandelier's chamber before I fought it, but AFTER I fought it, Balsamo showed up outside the arena as though we had been working together and as if I had given him those schematics to build me a weapon with which to kill the Chandelier. This was something of a lurch since the last interaction I had with that character was his suicide in the secret basement of the Manor. While I was reckoning with that, he and Devon talked about a bat that I hadn't even found yet. The fight itself wasn't terribly hard - the Chandelier dealt a lot of damage but I kept it locked down with the sleepy flute and business talk to the point that it only got in one round of actual attacking.
Other notes
I'd like to redact my earlier report as I have medically determined that Stanley can bleed when he attacks you at the docks.
The cultists' petty theft is very trivial at my current level of wealth. I think I got two $15 robbery events in one sleep. I'm surprised its not at all scaling proportional to wealth.
Blessed construction hammer offers a 15% def buff but it looks worse than other options point for point, since that doesn't seem to get calculated in to stat deltas on the status menu.
It would be nice if I got a description of the skills given by artifacts like the sleepy flute. I think the description for the tiny skull is inaccurate - it deals over 1000 damage when I use it with Ramona. Which really helps with the whole killing a car thing.
I like the little joke of "failed" appearing when business mindset stance is applied.