As an example, if you want a challenge, even with your "optimal" character...
Just go full heavy armor, dual wield, and smithing... I'm assuming you will sell stuff and pick locks along the way. But if you play that playstyle, and stick with that "character," (or as it's called in gaming, roleplay), then you max out at level 42. If that's too much of a challenge, then don't pick locks, and you'll max out at level 35.
In a game with this much freedom, Bethesda allows us to make overpowered characters. If you don't want that, don't overpower your character. Show a level of restraint and the difficulty on master will be more than sufficient.


