Well, yes on master I can imagine you're having quite a difficult time (being one-shotted by bandits and so forth), but like I said, I find my balance by playing on adept and relying only on my armor, weapons and melee skills. I prefer to leave anything out that deals with magic (unless I'm playing a mage). And BTW, once you hit Lv 20 and up, you'll find steel plate on common bandits and glass weapons at the end of medium-sized dungeons, fortunately, NPCs still have their realistic-quality armor even at higher levels so you won't find common vagrants loafting around in dragon plate. This way, an interesting situation occurs, where even at high levels everyone (including me) is still rocking armor from the beginning of the game. This helps me retain both my sanity and a medieval-yet-slightly-fantasy-like-aka-Tolkienesque view of Skyrim. What I meant by my last comment was that some people won't be able to enjoy Skyrim for the action RPG it is, but maybe they don't want to. One thing however that DOES piss me off about Skyrim is how it really comes through as a game meant for those of us who play CoD...exclusively...and expect a CoD experience even if they aren't playing CoD (or not even a first-person-shooter for that matter). Therefore there are no rules of what you can and can't join. There's no exclusivity. In other words, your muscle-brained, illiterate Nord berserk-er will be accepted as easily into the College of Winterhold as the Companions. Na mean?
PS; I'm not a seasoned RPG player. In fact, Skyrim is my first "pure" RPG (though I've played action-RPGs before) and I'm loving it!

I would like to point out something that you alluded to in this post in how this game "comes through as a game meant for those of us who play CoD"
I can attest to the fact that in some respects this game can play as a CoD death match, and i love it! Setting aside all RPG aspects of the game and praticing some self-imposed regulations, you can have a Skyrim/CoD hybrid in this singal player game. I have to acknowlegde that for this game to achieve such a feat is amazing.
Let me clarify what i'm talking about. My Orc character who is a pure heavy armor, two-handed weapon and blacksmith guy roleplayed himself right into CoD unwittingly. First, my Orc started life as a tribal Orc, and did a quest from one of the tribes that got him a bad ass hammer he stuck with throughout most of the game. He also worked hard in the mines at one tribal location that provided enough materials to equip himself and every tribal Orc follower with upgraded Orchish Armor. He than educated himself via books found at the Orc Encampments which lead to giving himself a centeral purpose in life and that was joining the Imeriperal Legion. Now here when CoD death matches come in. When he was sent out to help take control of stormcloak strongholds the idea occured to me to impose some rules. I would save my game right before me and the raiding party of the Imerpiral Legaion attack began. I was of course playing on Master. I didn't allow myself any potions or food for health. Thus, it was very challenging. Every battle unfolded differently even though it was the same stronghold. I would have to practice tatics that would allow me to take the stronghold. The great thing about it was it felt like i was the hero leading the assault, yet that did not make me indestrucable. I would have to advance and retreat a lot. I would have to soften up the enemies defense for sometimes 5 mins with launching a serises of arrows at the enemeis paraminter. Then I would have to stick with the other soldiers inorder to surive. If i went sole i'd quickly get overrun and die. When i needed to push through a heavy enemy assualt i'd use my berserker rage and go on a temporary killing rampage. I would have to sit back and read the how the battles were unfolding and time my flanking attacks just right to ensure that i can deal more damage than i take. All in all i would play the same stronghold for several days just because it was so dang fun. It was like a CoD map online in that the map is the same but you never know what to expect and all the battles are different, which is why CoD is addicting. I would also, obvioulsly not save inbetween battles. There would be times that it took several hours just to beat one stronghold. However, when i did, i had a great sense of accomplishment.
Now, this goes back to my intial argument, how many CoD fans that enjoy Skyrim do you think has thought of doing this on their own? It takes a certain amount of creativity to get this type of gaming experience from Skyrim. Thus far, my Orc has been my favorit roleplayer/actionRPG/CoD hybrid to date. I'm working on my Khajit but i have yet to find an underlining purpose that defines this charactoer the way my Orc had. It's also important to note tha after the civil war things for my Orc got VERY VERY anticlimatic. Life in the companions was dull and boaring compared to life in military service. However, after the war he stuck with that Orc follower who was also was a legion vet. Thus, the bond they had was remarkable. And after life in the compaions was through he's just waiting around for some DLC that may make his life interesting again.
So, as you can see, it requires a lot of fishing in this game to find the gold nuggets. And as it says in that one move with Tom Hanks, "if something was easy to find, it wouldn't be worth finding." People that can't find a gaming experince right off the bat which entralls them automatically claim its the desinger fault. I dissagree. Completely. Its becasue of a lack of creativity, imagionation and self-dicispline.