We had this situation while playing Hills of Emin Muil
On the quest card there were a couple of progress markers (=more than the required 1), we had roughly 25 victory points accumulated (=more than the required 20), no active location and in the staging area there were 2 Emin Muil Locations with progress tokens already placed on them.
We started the quest phase and we had one Northern Tracker commited to the quest who immedeately removed the remaining Emin Muil locations from the staging area (his effect kicks in at the monent when he commits to the quest).
At this point we were not sure: Is the game stopped and we won or did we had to resolve the quest phase first before cheking if we have fullfilled all winning conditions? (meaning to draw the required encounter cards plus the surge effect bc there were no more locations in the staging area)
We have decided that we stop at that point and win the game but I'm not sure about this. What do you think?