Lets see... you're a gimper, to avoid the lack of balance at just about every level, so the items in the game are no factor to you at level 50- if anything, they are a detriment to your enjoyment. You don't much care about loot or gold, so those aren't doing much to factor into your game enjoyment either.
I'm a "gimper". I care about loot and gold.
Your goals aren't generated by the game- I'll interpret that to mean you aren't all that thrilled by the quests in the game, including the main quests and the guild quests. So, we've removed the majority of the standard motivators from almost every game ever made, including Skyrim. Improving your character to be the best it can be? Nope.
I want to improve my character to the best it can be under the rules I have defined for him.
Finding more and better loot (some of which may improve your character) and gold? Nope.
The only item I don't upgrade is my weapon. But I'm always looking for hide armor, rings and necklaces with better enchantments, and gold with which to buy them in case I find them on a vendor.
Participating in the general game quests in order to be entertained? Nyet. Doesn't leave much but a pretty world to wander around in, does it?
It's much more than a pretty world, just as LEGO is much more than a set of blocks. There are infinite ways you can create your own fun in Skyrim. You are your own dungeon master. Of course, you need some imagination in order to do this. You can play as an opportunist that listens to NPCs' pleas not to help them, but to glean information about possible treasures to plunder. You can play as a demented cannibal and undertake huge killing sprees, or a pacifist burglar. You can play as a mage who seeks not jewels and gold, but lore. You can play as an ascetic monk that eschews all material goods and lives entirely off the land, secretly donating all the valuables he finds to temples, and even planting gold on the destitute. You can play as my latest character, who seeks to learn dragon and dragonborn lore, as well as all words of power, and whose entire training is devoted to hunting dragons. Etc., etc., etc..
And I agree on all of these things that you are avoiding being pretty much lackluster and not all that enjoyable in Skyrim. No arguement there. But whereas some people like yourself are then able to ignore and forget about all these worthless (my opinion) elements of the game and enjoy a fine mental game of sock-puppet RPG'ing within the remaning carcass of the game (albeit a pretty carcass), a lot of us are just staring at the used-up carcass and thinking "Where's the beef?" I buy games to provide entertaining adventures for me, with lots of well thought-out, interesting and balanced motivating elements baked right into the cake out of the oven... not to force me into having to sock-puppet my own mental adventures out of the subpar skeleton of an RPG. There is no beef, sadly.
The problem with the games you like, is that you always get beef, whereas with TES, you get whatever meal you feel like having on each playthrough. You just need to know how to cook it.
Face it, TES is not for you.