Don't you think it is slightly ridiculous that your character have all skill above 60 (to 70 depend on SPECIAL) with three more above 80 before books and any skill point perk?
Not to mention Intelligence impact on skill points are low, you barely lose 7~8 skill points per skill with Intelligence 1.
Even with discipline your character will be good at most things and thus lose some traits as a character.
I do not think it's ridiculous. Not at level 50. You really need to hunt quests and XP to make Level 50. And if you do such a thing, you should expect to become a master in your Tag skills and at least average if not better in everything else. There is still differentiation when you have three skills at 100 and ten skills at ~65. Are you awesome? Yes, you are but there is still some specialization there. Really, the differentiation is only gone when everything is up in the 90s or maxed at 100. Yes, the many perks you end up picking will certainly make your character even more powerful and I'm sure at some point they become irrelevant for certain character types, but seriously, if you pursue level 50, you should expect to be very powerful.
The thing about this is, if you have a very specialized character concept, then there is no chance that every quest in the game is pertinent to that concept and you shouldn't be chasing that quest... because then you're just chasing XP (and, hey, that's on you). If you try to do all the quests and DLC with a single character, then you are trying to do *everything* and you should expect to be good at *everything*. The discipline does not stop at ignoring skill books and Educated, it extends to what you choose to do in the game.
Your character can retain specialization even at level 30. But you need discipline. And as I've already said, if you don't have that discipline, that's on *you*.