I think it svcks really. I'm at level 54 and had to make a list of what perks I definately want to have before I hit 81. had I known that earlier I would have been more selective with my perks.
Ok so i had the random thought, that maybe after you hit level 81 ( which eff tryin to get that legitimately) why not get a huge bounty and serve the time in jail and after your skills drop work them back up then maybe you might be able to level up past 81.... eventually.

