So I am away to play Pillars of Eternity for a little while and you are all jumping ship? 

I mostly use 3+1 perk ( I always use speech) one of which is a "weapon" perk, one is a "defense" perk and one is a healing perk. For example: destruction, heavy armour, restoration or onehanded, alteration, alchemy.

Floor traps and swinging axes make my thief builds feel alive. ^_^

I always play on Expert for the aforementioned scaling problems. If foes would get smarter by going to master, I would change but alas. I use a lot of mods from Frostfall to Deadly Dragons etc to make the game harder without going the normal difficulty slider route and making the game much more enjoyable at the same time. I also always roleplay my characters without intentionally gimping them. So expert is alright for me.

Speech to merchant sadly. I am hooked on selling everything everywhere.