It's already been done: http://www.skyrimnexus.com/downloads/file.php?id=2063 (Requires ScriptDragon. Nexus shows it as last updated Dec 23, so it should be compatible with the current patch.)
While I'm not surprised I wasn't the only one to think of such a concept (in fact the more people that think like this, the better!!), I did mention in my OP that I was hoping for a solution outside of modding. Still, I appreciate the link and the understanding that others have thought this same thing before me.
As for the rest of the topic, I still stand by what I have said despite some disagreements -- though I do appreciate the few approvals so far. If Bethesda really wanted to make a specialized character, I shouldn't be able to become the leader of every guild and faction, the hero for every Daedric Prince present, and Dragonborn!
In this context, and in the context of all previous Elder Scrolls games as well, a truly "specialized character" is impossible. The very nature of this series advocates being a jack-of-all-trades, whether or not one can acquire every single perk. While this mindset admittedly can work for Fallout, it fails in Skyrim. The limitation of perks only hinders the player from what the game itself wants you to be: a master thief, warrior, and wizard - all in one.