I usually play on Adept, occasionally on Expert if a character gets too powerful to be fun. I use followers in almost all of my games. The few times I’ve gone to Expert were with characters who were very combat-focused with little or no crafting and trading and little need for magicka, so they were strong for their level.
The characters who are a part of my fan fic are not played Dead-Is-Dead. They don’t get to die until I say so.

I don’t actually remember any of them dying except for Jerric, and I think he’s mostly just fallen off of things. Jensa is not played DID, and she has died a lot over the years of playing her. She has been started over three times, and her original game is still playable. I don’t remember her dying lately, though, and the last time was when she fell off something in Markarth. She’s a bit of a drinker. Anyway my current characters Sir Magul 2, Nephiah Sarys, and the conjurer guy on the Xbox whose name I can never remember are DID. So were Achille, Asrael, Brynja, J’Shanji 1, Marco the Thief, Nivoniel, Selvyn, Shuvesse, and Zuuri. The others have retired, some because their games broke. And there were a few in the beginning while I was still learning the game who got reloaded.
Now I know that if Farkas sends you after vampires at level 2, you should come back later. And I think any character would also know that. (Sorry, Brynja.)