I must say that the whole soft cap (overcharge) system in this game, is a major letdown! When I first heard how the skill system in this game worked, I was hugely excited, because I love games with a lot of diversity and choice, in character building.
But then I learned about soft caps, and how the game ACTUALLY works!
Currently, there's no point to specializing in anything. There's also hardly any point to put points into anything but health, since health is the only stat that doesn't cap, and also gives you +20 per point, rather than +10 that magika/stamina gives. What this means, is everyone that has half a brain will have 50 points into health at level 50, since you can either choose to have like +100% extra health, or like +20% extra damage.
It also means there's hardly any point to specializing in any stat or role. It punishes someone for trying to focus on being an exceptional tank, or exceptional DPS, etc.. This really needs to change!!!