Years ago I would underlevel my characters and just play the game for what it is.
These days I couldnt imagine playing anything else but efficient level. Getting the +5 is so much more satisfying than a bunch of +2, and it makes leveling up so satisfying.
I read many people on these forums complaining that it 'ruins the fun,' but I never see it that way. By swapping the majors and minors it allows me to simply role play the character without fear of leveling up.
I guess it helps that my hybrid build is a Dunmer. Blade, bow and magic all suit his RP background. :twirl: