Most people get to level 65+ legitely, right?
I generally use a "set" of skills as my character's path and once those are all leveled to 100, I don't really know what else to do with myself. I don't see myself suddenly wanting to master Heavy Armor as a thief, or Illusion as a two-handed barbarian warrior.
From what I've gathered, the usual cut-off point for most people seems to be around 30-50.