Well, that's fair enough, but I think it's inaccurate to say that, when wearing heavy armour, a lack of the Conditioned perk diminishes you to a "lumbering giant". Indeed, the hindrances seem to be pretty consistent.

Edit: Ah. You're not here for a debate on this. I derailed this a bit. Sorry.

I avoid the perks that do not fit my character.

Anything in the lockpicking tree

I avoid the entire Lockpicking tree and I never buy lockpicks. So far, after my fourth playthrough I managed to pick all locks, even master locks with relative ease.

I would like to invest in Speech for roleplaying reasons, howerver the speech tree only reduces prices and makes the game even easier, because you got even more money

I've never spent a single point in the Lockpicking tree nor do I plan to do so. It's completely useless, picking locks is very simple and easy already.

The skill tree I avoid is Lockpicking (just once for treasure perk, but was looking for an enchantment and found out it is bugged if not found in certain levels). Other than that some have never been completed ever (right side of the Speech tree, some perks for Pickpocket, Conjuration, 1-2 handed, and some others where a perk or so I have not done).