So I'm stuck at 95. I've got a bunch of Paragon chests but they don't seem to be doing anything but breaking the picks. Are they GM only?

And what do I have to do to gain, if these chests aren't the thing? GO to dungeons? I'm not a dungeony kinda person and this character does not know how to fight yet and stealth is only at 60 or so.

Suggestions?