@cadaver,
I read your post but I don't min/max so sorry I didn't reply

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One thing I will say is make armorer a major skill and level it whenever possible. You might want to do the same with light armor if you're a mage. I did neither my first time around with my social fighter (next time I'll leave out speechcraft as the minigame is easy, and maybe mercantile too - you make enough money even if you get ripped off all the time).
Two reasons: 1) armor impedes spell effectiveness until your armor skill is very high. 2) You can't fix magical armor until your'e a journeyman (lvl 50) armorer. I hate having my wonderful armor (I have one set to maximise strength and another for stealth) gets beat down and you can't fix it until you complete your dungeon crawl and head to the city for repairs.