I can't recall any (linear) RPG where I didn't have a ton of unused gold at the end of the game but, it didn't seem as noticeable as it does in the open world "no ending" of Skyrim.
I like the invest in a fort and/or rebuild Helgen idea.
Would be interesting to be able to start your own community with its own economy based on whatever the natural resources around the town might be.


Huh, should've tried hiring the Reapers as my own personal army 
it's a life choice sometimes; or astuteness,which in fact would be even worse.