There seems to be a complete misunderstanding of what's being asked for here, so I'll try to clarify.
What the OP wants (as do several of us here) is for the game's difficulty levels to actually live up to the names. Unfortunately they don't do so, with the result that even Master difficulty is trivialized once you have top-end gear. That Master difficulty even can be trivialized is a travesty of design that should have been corrected during testing, but for whatever reason it wasn't.
The upshot of this is that those seeking to retain even the semblance of challenge have to gimp their characters, which should not be necesary with a properly calibrated difficulty scale. it has nothing to do with lack of self-control or desire for hand-holding, as neither of those are applicable, and everything to do with desire for higher difficulty settings to actually be difficult, so that there will still be at least some challenge left for high-level characters with end-game gear.
But once again, you can CREATE that challenge for yourself! You have the option and many paths of exploring that option. If they do it YOUR way, guess what? Those people who actually like to be legendary at high level WON'T have that option AT ALL! You tell me which seems more fair?...
Either create your challenge, mod it in when possible or go play another game.

