I am level 42, I have NO skills maxed out, but archery and stealth are over 90 - those are the two skills I purposely worked on though. And boy, feels like the last 15 levels or so go reeeeaaaally slowly.

I have the perks almost all filled out for each of them. Lock-picking and Alchemy are also creeping up because I use them both. Alchemy, I make health potions and poisons, so I have added some perks there, but lockpicking I never bothered to perk. I have actually not used perks every turn, so I have some to play with, as I progress and see if I want to branch out a bit or something.
I find I don't mind the system as much I thought I might when originally reading about it. I purposely made my character to be very strong in certain areas, and I have control over that, using perks and using the skills the most - I don't do everything with one character, because it wouldn't make sense to me. She rarely uses magic, has a couple spells she can toss out, but I have not put any points into Magicka on level up, and so on. The other stuff I see level up occasionally. Like I'll bust out a dagger on occasion, or try some enchanting and see the skill level up, but since I just mess around with them occasionally, I don't bother with their related perks.