Expert. Perfect balance.

same, i figure that's they way the game was designed.

I switch between expert and master, but I think expert is very good. About what I'd expect the standard (default) difficulty to be, I die enough without being too annoyed. It reminds me of oblivion default difficulty. Makes me more creative at fighting. I use the same character setup as i did in oblivion. A mage that prefers to fight with an unenchanted sword.