FWIW I don't have to have a character at the max - I have little trouble with melee enemies now and only a little with magic-users (Slow Time FTW - thank you, Fable II for my training

) - I just want to get as much as I can on each character.
I understand there's a major glitch/bug that one can take advantage of that will get all your skills up to 100 in less than an hour RL time, but I'll avoid that for now. After I've honestly played a few characters through I may do it on Master level just to be a Richard, but Bethesda will have probably fixed it by then.

If you want to RP a character over level 50 (again as that is the level that most folks max out their primary skills that they started using) I do it as a second career.
Now, that's an interesting idea - mid-life crisis career change.

I don't mind switching between 1-Handed and 2-Handed and maybe shield at some point - I don't consider that abandoning the RPness (I know you didn't suggest that, but someone else did in another thread), but I would feel a little weird getting my, say, Destruction magic way up on a melee class-less. Now getting Restoration up for Healing and Wards wouldn't even be abandoning the RPness too much either because I'd actually use it against magic-users and would save on pots; however, at this point I've put 0 into Magicka.

Perk points were what I was really after...
Yeah, that's what I want - there are some really cool ones at the tops of some of the trees.

I would just recommend "playing the game" and not worry too much about your levels and things of that nature. Just explore & do quests until you feel that character is done then go to the next character.
Oh, yeah, I definitely just "play the game" - I've never looked at or requested "builds" because I tend to play classes the way I want (much to the dismay of most people in MMOs). For example, I'm level 43 and wear full Daedric armor, but my Sneak is at 68.

I don't Pickpocket or assasinate people in their sleep, but I like listening to the hostile NPCs argue before they aggro and then plinking at them with arrows and using Throw Voice to mess with them.
