About 1/2 way through the main Q I guess and I entirely agree with the OP. Just build the character you want, sit back and enjoy.
So good to find a game that is balanced well beyond the obligatory combat, last game I played with this level of character support was probably Bloodlines, in fact even some of the music is similar. This is highly encouraging for the next game: get the teams together, add an expanded selection of readable books from Oblivion and the exquisite details from Fo3 and they'll be back to a game as vast and involving and supportive as Morrowind
(1)
(1) It's in the rules that every third post I make should mention Morrowind, heh. At least this time I avoided mentioning levitation... Aww, now I've spoiled it