Possible, but that wasn't really the point (neither am I guaranteed to be an example of what is right, anyway), it was just that you were/are quite bluntly inadvertently calling a subset of fellow players (some of which you're replying to) something potentially derogatory, which is probably avoidable. Just threw a thought out there.
Possibly, but not quite as you describe. In fact, I've never actually done what you describe, yet (going straight to a location for a powerful item), possibly even artificially avoided it. I did increase level up multipliers, take the loot from any dungeons I visited and sell anything I didn't need (and hoard the unique and cool items that I came across in my house, or what you've referred to as decorating, which is indeed pretty fun), but that's simply playing the game. Which is, as said, enough to quickly net you a whole lot of gold in vanilla.
From what you were saying, it appears you may play in an exceptionally unusual manner (somehow progressing very slowly - 6 months/200 hours to reach level 20? Maybe this includes the non-straightforward tactic of choosing skills you don't use in your class, but even with that it's very odd), and/or either don't have a high level of familiarity with the actual
vanilla game content (or maybe your characters don't tend to adventure??), or more likely, don't recall it very well (as you've definitely forgotten MQ-related ridiculously-valued items), so please allow me to elaborate with some concrete data:
A few MQ items value at 300k-400k (I actually haven't encountered them, but you definitely have if you completed it). There are 18 other unique items which value in the range of 95k-210k. Moving on to items you can find randomly and/or multiples of... a non-unique Daedric Claymore is worth 80k. There are 125 items in the value range of 10k-80k, and 56 items in the range of 4k-9.6k. Needless to say, these aren't reasonable prices for single item instances to have. This is not even counting the two expansions, which add many expensive and unique items.
However, it became clear that although you were replying to a discussion about the state of the vanilla game and problems within it, you were talking about a modded game and your personal experience with it. That makes your statements make more sense, indeed, but, needless to say, that's completely missing the point. To begin with, I've already explicitly mentioned that mods can alleviate these issues, but... obviously they are present in vanilla, regardless of the ability to load up mods that fix such them. It was highly misleading to speak of a modded state and personal experiences with it as if they apply to the vanilla game, in this discussion.
Ring of Toxic Cloud is a random "trinket" that can be found as random loot, that any character in level ~8-10 can find anywhere (meaning multiple copies of it can be found, too). It just so happens to oneshot 90% or more of the characters in the game (dealing 20-600 poison damage per hit), as well as have multiple charges and AoE. The Amulet of Shadows is essentially a miscellaneous quest reward for beating two level 8 enemies that are found in the wild somewhere between Gnisis and Ald Velothi, and bestows the ability to gain a gamebreaking 80% Chameleon at will to any character, enabling it to, well, pretty much do whatever it wants (paving the way to steal or kill anything without repercussions). Quite disgusting indeed. Those are the most memorable offenders in the vanilla game for me, but certainly not the only ones (actually some more already come to mind, now). Obviously, multiple mods, especially huge balance-oriented mods such as BTBGI (and possibly to a lesser extent, WGI) nix such ludicrous douchebaggery (to use BTB's eloquent words).
Hmm, note that 20k is itself probably enough to negate caring for money, which the above seems to suggest you reach in levels 15-20. In fact, it's worth mentioning that you will both continue to profit as you play, and the rate of money gain itself only increases as you play on.
At any case, it's probably safe to say that your experiences shared above are atypical for a vanilla playthrough, and also, a good cause for becoming bored at those levels is obviously because the challenge is gone...
You don't remember correctly, as I elaborated. Of course, no one item should ever value as much as 60,000, and not many should reach/pass 10k...
Again, a mod like BTBGI or at least a weapons and armor rebalancer will annihilate this sort of douchebaggery (the latter probably won't fix everything, such as expensive unique clothing and as such). (Not sure about WGI specifically.)
It's true that a saving grace is the limited merchant's gold, otherwise when selling you'd be able to gain a couple 10k in literally a few seconds (meaning that by level 20 you'd have more like at least 1 million gold, I guess). However, each single overly expensive item can still be used to gain all of a merchant's available gold, as well as be used to barter for any items or supplies the merchant has that you may need. Also, Tribunal adds merchants with high amounts of gold, as well as the Museum of Artifacts that will pay you flat out for any artifacts you want to sell to it.
Since the artifacts' gold values are, simply put, insane, they had to make it give you half the amount as well as place a hard cap on top of that - but even after all that, this still allows you to gain 30k per item for as many as 15 items, and 9k to 27.5k each for others.
I never actually personally used those Tribunal features (or visited Solstheim, for that matter) and still got filthy rich, though, so that's just icing on the cake. Then there's also the fact that even the Creeper merchant is present in a major town and is shipped as a legitimate (if thoughtless) part of the game, so long as you don't load a mod that fixes him. Again, this is a description of the unmodified game. Obviously, this wouldn't even be present in a properly balanced modded game.
Turija:
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Again, it depends on playstyle and self control.Of course, but not quite so as you describe. The vanilla game content is as it is, and you're literally bound to encounter it if you dare to actually...
play the vanilla game. A modded game is another story, thankfully, thanks to awesome efforts of the great community.
By the way, about your dislike of balance mods making it harder to smooth-talk merchants: it's worth mentioning that the boosts given to the merchants' Mercantile and Speechcraft in them are done by central tiny scripts, and so are trivial to tweak in a second.