There are some standard problems when it comes to difficulty
Such as, in Morrowind, on your first play you didn't know where anything was. Adventuring was fun and interesting, and sometimes you could find really great items that would make you overpowered. That wasn't so bad. It doesn't get bad until you've played Morrowind through once or twice, and then you know where everything is located. So when you try to play it again, you have to actively avoid getting good items because it would make the game way too easy.
Then there was tribunal, where within an hour of play you would likely get the full DB gear set, which was ridiculously overpowered. And you don't go get it. It just magically comes to you while you sleep.
So at that point it's not even trying to avoid items and avoid metagaming (to the point where avoiding metagaming is in fact a metagame to not be OP) but you have to actively break character to not pick up some OP gear that comes to you.
I think that's problematic and poor game design. Especially for a game where longevity and replay are one of the biggest sellers.
Chameleon suits and such are one thing. You have to take some effort to get those things, especially early on in the game. You would have to know where everything is and go finding it all. It's fine to ruin your own gameplay. (Or make it, if you really just love being so OP that there's no longer a challenge)
However, I really don't want any things like what I explained about from Morrowind.
I think thats a rational argument. I loved that you could do that in Morrowind, but it could be seen as harmful.
And tribunal was supposed to cater to higher level characters, I thought there was a level limit on the dark brotherhood? Maybe it was too low though.
And of course arguing about chameleon suits is ridiculous because you have to make them, and finding the pieces is a challenge. Its not something you can stumble on to.
I like some overpowered characters, working to make them is almost as accomplishing as playing them. But you shouldn't have to avoid it, and you normally don't.
And for people who like to maximize their character as completely as possible, then complain that the exploits they sought out ruined their game, thats just a problem with how someone plays their game. Otherwise they should turn up the slider.