I dislike the item scaling, so you end up with bandits fully laden with the best equipment in the game. Though on my rogue character, I pretty much just played in the Brotherhood suit the entire game, as it looked good.
I am aware you could make your character invincible (4x +20 chameleon), but unless you actually want your character like that, then no point. Oblivion gives you the opportunity to play the game as you like.
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