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Well Speech allows you to invest in merchants and then sell your stolen stuff to them... but like you said everything is subjective to each person. IMHO light armor and heavy armor are the worst. I don't like how they've forced you basically have to choose a full set of armor. I like being able to mix and match. On top of it the perks are just repetitive... "Armor bonus for wearing all heavy armor" then the next choice is "armor bonus for wearing a matching set of armor" Also I play in 3rd person unless I'm in a dungeon and I prefer not to wear helmets for aesthetic reasons. There should be an option like Mass Effect to be able to toggle your helmet on or off (visually) for aesthetics.
GetTheFunkOut http://www.youtube.com/watch?v=wyvN0LzXxrI -- the most beautiful and mesmerizing thing you will ever hear.