So, like navigating a mine field, you have to very carefully tiptoe through the perk tree avoiding synergies that amplify your character's power to demigod. I feel like there's more work required in Skyrim to avoid an overpowered build than there was planning characters in Oblivion or Morrowind.
This reminds me, since I'm a huge motorsport fan, of a racecar driver who was once interviewed on the starting grid right before the race;
Girl interviewer - So, are you looking for a win today?
Racecar driver - Mm, no, today I want to finish 11th.
I mean, seriously, what warrior/assassin/mage would do anything even remotely similar, and who would in their right mind even contemplate role-playing one that thinks;
Do I want to use my best sword today?
No, today I want to be banged up real good, so I'll use my worst.
If a game forces you to do this in order to not 'break' the game, the game is already broken, full stop. You can't role-play like that, that's not role-play.