What in the world is wrong with playing the game on a harder difficulty level? How is Adept the way the game was "meant" to be played? The developers included difficulty levels that they didn't actually "mean" you to play on?
Or to put it another way - why would you want to make a game more difficult by handicapping yourself, rather than by facing tougher opponents and tougher scenarios? If Super Mario Brothers became too easy, would you prefer that they make the next one a little harder, or would you rather just play without jumping, or using the fireball flower or whatever?
Try setting the difficulty level all the way to the hardest level, then do anything and everything you can to stay alive.
Here's the reason, but to each his own.
On adept difficulty, as I'm sure most everyone knows, the damage for the player and the NPCs is 1x1. Meaning that a bandit is going to have the same damage and armor rating as I would using the same armor or weapon. That's what I like.
If you change it to master I think NPCs (if I remember correctly) do 200% damage and you do 50%. That's just stupid in my opinion.
Why not do the same thing but keep it much more realistic? You can do that by not taking certain perks (if you want to call it handicapping yourself, fine, but you're also "handicapping" yourself when you turn up the difficulty level).
The result of doing it the way I am thinking is this.
You still do tremendous damage at high levels BUT the enemy can kill you much easier. That's the way I like to play. I don't want to be able to get hit by a war axe fifteen times. I better dodge it and block it with a shield. That's more realistic. And the biggest problem I have with high difficulty levels is having to shoot an enemy with twenty arrows before they die. I want to be able to kill them with a more realistic (I know that's up to interpretation) amount of arrows while at the same time allowing them to do more damage to me.
I guess in the end, I'm doing the same thing that people do by turning up the difficulty. I just prefer to do it this way because I think its more realistic.