Great point. A level 30 who has leveled up their speech, smithing and enchanting is going to find enemies significantly tougher than a character who has gotten there mainly on armor and weapon skills.Might also depend on whether you've been leveling non combat skills more than combat skills to get where you are.
I've been playing casually, doing as much as I can. Smithing, enchanting both around 60; 2-handed, 1-handed, archery around 50; Pick-pocketing, sneaking both at about 70. Was trying to specifically not abuse the game mechanics by min-maxing, but it seems that may actually be bad? lol