Room mate and I only two house rules;
- No changing difficulty from Expert
- When killed, make a new character
We don't do the whole "No Fast Travel" thing because after you've taken things out in an area, there is little to no reason you should trudge through a barren environment, save the low chance that a random dragon may appear. All it does it make the time draaaag. Though neither of us really abuse fast-travel, either. If there's something in between known locations, or if it's been a few days since I've cleared out an area, I'll walk through it again.
A couple things that Cael posted sort of fall in to our gameplay, but are really "rules" we've set down. No reloading because of an unwanted outcome, unless it's bug-related. And neither of us really accept quests that fall outside our characters role unless there's a reason (ex, me being Imperial, wouldn't normally accept a task given by a Stormcloak unless they hadn't made it perfectly clear they were Stormcloak to begin with)