I'm level 71 and I feel like I have the perfect character. He's a Breton necromancer and a master merchant. It's nice to have all the money perks, it means I don't have to fast travel to every city after I clear out a cave and can get out there and scout out the land. I like raising up the dead, the few remaining perks I have left I am throwing into raising my heavy armor rating so he can be good at close combat, for now he is relying on his mage armor perks. With enchantments he has almost 1000 magica and about 210 health.
I love my most recent character using HA, alchemy, smithing, enchanting, destruction and conjuration, she is literally everything in one, If I want touse bows, conjure a bow, two handed, conjure an axe, one hnaded, or dual wielding, conjure some swords, and i can use both destruction and conjuration whenever Iwant, and I fortified my destruction so it only takes 5 magika per incineration cast

.