So because you don't feel that novice is a challenge, then it should be completely removed? I played on novice for quite some time, and was paranoid when I heard a dragon in the distance.
I can understand if you don't like some aspects of the game, but they shouldn't cloud your vision to how fantastic the game is. And if you're s 'let down' that you need to let everyone know as often as possible on the forums, couldn't you also mention what you ENJOY? The scenery, the quests, the cities, the NPCs, the opportunities, for example.
Anyway, back on topic. I'd also like to be given more control over the guild once you complete it's questline. As Arch-Mage, I'd like to have to teach a class every so often, or welcome new apprentices or conduct research. Simple things like that!

I see it as superfluous, sorry. I started my game on expert because I knew ahead of time, from playing previous Bethesda games that the normal difficulty would not be enough for longer than somewhere past the introduction, and switched to master by around level 9. My experience is colored as such.
As to your other point, I can agree with that. It's largely disappointing guilds continue to be mostly static once you finish them. I would have liked to see the possibility of recruitment, instructing new inductees, inter-member competition/conflict, and inter-guild rivalries, that became very complicated if you were the leader of multiple guilds.
I enjoy the environment, but I am jaded on the rest, as the whole realized, open world thing is nothing new to Bethesda, and it is by now something I expect them to do well, it is the other areas that they have consistently fallen short, or failed to truly improve in.