The highest level you can get is what ..... 49? 100 max skill - 30 base skill (no racial modifiers) = 70 skill /10 (10 points to make a level) = 7 levels per skill x 7 skills = 49* (this assumes you do not exploit skill reductions due to incarceration)
You star tat level 1 so increasing 7 majors by 70 points would bring you to level 50. Secondly, the base value of major skills is 25, not 30. Only major skills from your specialization start at 30 (if you have no racial bonus). You could create such a character if for example you played a Breton with a custom class that is specialized in Magic but has combat and stealth skills as majors.
So the natural maximum is actually 1 + (7 * 75)/10 = 53.
Calculating the minimum is a bit trickier. Based on skills it's 45 (you'd get that for example if you played a Breton Mage or an Orc Warrior), but you can also stop leveling when all your attributes reach 100. In fact that's the hard cap at which you stop leveling alltogether, even if you didn't max out all major skills yet.
If all your attributes are 100 then the sum of all your attributes is 800. Not counting birthsign bonuses characters start with a sum of 330. The slowest increasing attribute is Luck because it only ever increases by 1 point. If you have a custom class that has Luck as afavored attribute and you also pick the Thief birthsign you will start with 65 Luck. It will then take you 35 levels to max out your Luck.
In addition to increasing your Luck by 10 points the Thief birthsign also increasses Agility and Speed by 10 points so you start with a sum of 360. Assuming you get x5 multipliers for the other two attributes that you increase you will be gaining 11 attribute points per level. Over 35 levels that would be 385 attribute points. 360 + 385 = 745. So at level 36 you would still be 55 points short of maxing all attributes. If you then get x5 multipliers for 3 attributes you're gaining 15 attribute points per level and it would take you 4 levels to max out your attributes completely (for the last level you'd only have to get x5 multipliers for two attributes, but that's nitpicking). 36 + 4 = 40.
So there you have it, perfect 40.
The recipe seems to be:
- make a custom class with Luck as a favored attribute (I'd suggest Endurance as the other favored attribute)
- pick the Thief birthsign
- get x5 multipliers all the time
You get a x5 multiplier if you increase 10 skills governed by that attribute each level. I would suggest that you maximize Agility and Endurance first. Endurance should be maximized early to give you the highest possible amount of Health and Agiltiy should be maximized quickly because it's important for your archery and because you can do so very quickly. As Wood Elf with the Thief brithsign you'd start with 60 Agility so you could maximize it in 8 levels. That would then give you the freedom to use Agility skills without messing up your numbers.
Once you've maxed your Agility it would probably be best to train Intelligence by working on your Alchemy skill. Not only is a high Alchemy skill useful to an archer because of poisons, Alchemy is also a fantastic moneymaker skill that you can use to finance your training at various trainers.
The trickiest attribute to control is probably Speed because you will gain skill increases in Athletics simply by moving around. Luckily though you will start with 60 Speed so you only need 80 increases in Speed skills to max your Luck. This means you can afford to waste the SPeed multipliers that you'll get from the early increases in Athletics and Acrobatics. You can get all the increases in Speed you need from Light Armor alone if you keep it as a minor skill (as a Wood Elf with Stealth specialization you'd start with exactly 20 in Light Armor).
Personality can be maxed with the easily controlled Speechcraft and Illusion. You will need 120 skill increases spread between these two so you don't have to worry about any increases you get in Mercantile. You can also afford to use both Illusion and Speechcraft occasionally without messing up your charcter.
Putting it all together I'd suggest a classs that would look something like this:
Specialization: Combat
Favored attributes: Endurance and Luck
Major skills:
1. Marksman (AGI)
2. Security (AGI)
3. Alteration (WIL)
4. Restoration (WIL)
5. Alchemy (INT)
6. Mysticism (INT)
7. Speechcraft (PER)
You will spend the first 8 levels using only Marksman and Security from among all your majors. Each level you will buy 5 points of training in Armorer and get 5 points in Block and Heavy Armor by visiting the "Slaughterfish Academy".
Slaughterfish Academy means you put on some heavy armor, take a shield, and go to Lake rumare (or some other place where slaugterfish live). Then you stand in the water and you let a Slaughterfish attack you. You block the attacks until your health becomes kind of low at which point you run out of the water (so the combat stops) and wait for 1 hour to heal your health. Then you go back into the water and repeat the excercise until you get 5 increases in Block and/or Heavy Armor.
Note: by 5 increases in Heavy Armor and Block I mean that both of them together should icnrease by 5 points. For example you could get 3 increases in Block and 2 in Heavy Armor. You'll also want to do the Slaughterfish Academy and Armorer training before getting the icnreases in Agility skills.
At level 9 you will have 100 Agility and 85 Endurance. Keep training in Armorer and visiting the Slauhgterfish Academy for the next 3 levels. In addition to leveling with Marksman and Security you now also start leveling from Alchemy. To get a x5 multiplier in intelligence you'll also have to train some minor skills that govern Intelligence. For each point of Marksman and Security you gain, you should also get a point in Conjuration. Don't use Mysticism at this point.
For example let's say that during level 11 you got 2 points in Marksman, 2 points in Security, and 6 points in Alchemy. You will now have to increase Conjuration by 4 points in order to get a x5 multiplier for Intellgience. Note also that you'll have to get those points in Conjuration before you get the last point in Alchemy. That's because once you have enough skill increases for a level up any further skill increases will count for the NEXT level up.
If you play a male wood Elf you'll have 100 Endurance at level 12. With a female it takes 2 levels longer. You are now free to use Endurance skills (Armorer, Block, Heavy Armor) as much or as little as you want. By now the equipment you find will start becoming rather heavy so this would be a good time to start training Strength. Buy 5 points of training in Blunt and then train Blade by killing Mudcrabs with an Iron Dagger.
At level 21 you will max out the skills Marksman, Security, and Alchemy as well as the attributes Agility, Endurance, and Intellgience. Now comes the tricky part. You will want to balance your Willpower, Personality, and Speed atributes. It also differs a bit for males and females.
If you are male you have 75 Strength at level 21 and spend levels 22-27 increasing Willpower and Personality . Easiest way to do it is to get buy 5 points of training in Mercantile and grind Illusion 5 points followed by 10 increases in Alteration and Restoration. If you are female you have 65 Strength at level 21, but your Personality is already 40 so at levels 22 and 23 you get a x5 multiplier for Strength instead of getting one for Personality.
So now you are level 27. You have 75 Strength, 60 Willpower, 60 Speed, 60 Personality, and 91 Luck. Your Alteration skill is probably around 80-90, but Speechcraft and Mysticism are still 25. So you mainly use those two to level up further. I suggest increasing Strength to 100 and Speed to 85 over the course of the next 5 levels (28-32, get the levels from Mysticism). Then spend levels 33-36 increasing Willpower and Personality (get the levels from Alteration, Restoration, and Speechcraft).
So now you're level 36 with 85 Speed, 80 Willpower and Personality, and 100 in all other attributes. You then spend the last 4 levels increasing Speed, Willpower, and Personality.
Voila, perfect 40!
Oh I forgot that you can shave off another 3.5 levels if you only take your skills 99 when you are at 99 luck... so when you level the next time you will hit 100 in those skills the extra 50 luck will add 5 to EVERY skill.
That is incorrect. First the Luck bonus is equal to 40% of your Luck over 50. So with 100 Luck the bonus is 20 (40% of 50). Secondly, the Luck bonus works as a hidden bonus, it doesn't actually increase your skills. If you have 100 Luck and 5 Blade skill your sword attacks will do the same damage as if you had 50 Luck and 25 Blade skill, but your actual skill will still be only 5.