I believe I was 18, half way to 19 when I had to leave for work, about 2 hours ago. I'm putting points in to sneak, archery, lockpicking, and heavy armor. With sneak and heavy armor's bonuses (as well as the steed sign) I still move quick, fairly silent, and snipe anything and everything I can, while still having some decent armor. =)
I've been up the 7000 steps, joined the Companions, the Imperials, and am a Bard. The DB is after me, as well as another group that is unhappy with my actions... tsk tsk. I generally walk everywhere I go, and only fast travel back to Whiterun to dump my spoils back at house.
I'm absolutely in love with this game, and the only thing I dislike is that "sub" skills (in my mind, such as lockpicking, pickpocketing, alchemy, basically anything that doesn't add directly to your offensive or defensive ability) are in the same point system as your offensive and defensive skills. I always love the alchemy of TES games, as well as lockpicking, and now to "buff" them, I have to take precious points away from my offensive and defensive choices. Quick calculations show me being able to max 3 skills and having some left over in a fouth. So I can chose to max sneak, archery, and one of alchemy, lockpicking, or heavy armor, and the rest in to the two left over, which won't be many points. Just a bummer is all, but doesn't keep me from giving this game 10/10.