Well actually that was morrowind style, Oblivion is very different. I agree with you completely on everything but dropping speechcraft and mercentile, in oblivion those look like two incredibly important skills, granted I won't be using them, but for a beginner especially just as imperial is great for beginners, so will social skills.
I haven't heard that a perk for mercentile allows you to own shops, and I've read every single interview. However, one perk for mercentile does allow you to invest in shops. When you get to the upper levels in morrowind you often find all your items sell for something that by far exceeds the money merchants have at any given time. Investing in those shops gives you personally nothing, it's not a stock market, it increases the merchant's purse, basically, so at any given time that merchent's amount of money on hand will be high, which is an investment since you'll probably have a lot of very expensive items later on.
Most experienced players can just kill and steal and rape dungeons, though it will be hard as hell for them it would still be possible. Stealing or murdering a town citizen is WAY more difficult now. The guards are even tougher than morrowind, the people always run and get one if they catch you, suspicious NPCs will watch you to make sure you don't steal anything, it's just harder. Beginner players with mercentile as a major skill could get way more buck for the bang, since it will be harder for them to accumulate rare items and to steal they'll come by money much easier with a higher mercentile skill.
Speechcraft is another one, probably more useful. With a high speechcraft level you can get information for quests easier, and in general the game is easier to follow. if you're cutty you don't need it, but the more help from NPCs the better for uncutty people.
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A man once asked the Buddha, "How does one escape the heat of the summer sun?"
And the Buddha replied, "Why not try crawling into the blazing furnace?"
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