I know what it means. The just don't use the skills responses are rule zero fallacy.
No one is suggesting not using the skills. With even 200% smithed weps and armour, on master, the character can still be killed by a great many higher level creatures, and quite easily. As a warrior, an arch cryomancer will ruin your day very quickly. If you want to use recursive looping to go beyond that however, then that choice is yours. If you do not like the consequences of those choices, you do not have to use said crafted items. No one has suggested you do not use the skills, although if you truly desire a higher level of challenge, which I suspect you, along with so many others, do not truly desire, but if you DO desire a higher level of challenge, then yes, you do not HAVE to use those skills. That would be your choice.
The real issue here is, are you playing within the intended game mechanics, or do you have ungodly weapons? If you are finding everything one shot on master, then the true answer can only be yes to this. If so, and you do not like them, head to a bandit camp, kill a bandit, and place the unwanted items on the bandits corpse. After 30 in-game days, IIRC, they will respawn, and your problem will be solved, and the items with do offend you so will be despawned from the game.