That way you don't have to artificially altar your character.
I don't see it as 'artificially' altering my character when I do this. I see it as altering my character by means of roleplaying. Roleplaying is all about self-limitation. I see roleplaying as the creative application of self-limitations. I can't speak for everyone, but when some of us impose restrictions on our characters we are
shaping those characters. Just as my personal limitations affect what I can and can't do in real life so my chracter's limitations help define them. And I prefer to have as much control over these things as I possibly can.
In my view, handing over control of my character is like an author handing over control of characters to a publisher. Just as I would not want my publisher meddling with my characters so I do not like a game telling me what my character can and can't do. One of the primary reasons for this is that, increasingly, my characters tend to change in response to the events they experience in their games. In order to accomplish this I need as much flexibility as I can. Locking me into iron-clad, written-in-stone advantages and disadvantages hinders my character's ability to evolve and grow over time.
This debate, I think, goes straight to the heart of a major division between gamers who play roleplaying games on the computer. Some of us want to use the game as a platform to excercise our imaginations; others require feedback and direction from the game. Or, as I've said elsewhere, some of us want to tell our own stories, some of us want to be told a story. I think, probably, that the needs of these two groups will never be reconciled with a single game. However, I think the Elder Scrolls series is about as close to accomodating both 'roleplaying world views' as any game or series of games I've ever seen.