I usually play on Adept. However, I do have some characters that I specifically made to play on Master. I also have one character who was made for the sole purpose of playing on Novice.

Adept. I recently considered bumping it up, but it looked like the higher levels would require tedious slogging away at enemy hit points.

Adept. It allows me to play the game the way I want to, without picking perks I don't like or being dependent upon overpowered weapons and enchantments.

Yes...

In addition to that, I'm level 75, I don't wear any Armor, or use any Alteration Defense spells
my only way of survival is "Don't Get Hit"

Oh, and my only actual used weapons are a 179 attack Orcish Greatsword (Not Enchanted) and Icy Spear

I guess my Only advantage is that I got 100% less Destruction cost.

Default (Adept) for me. It keeps me entertained