With this in mind, I recommend the specialization route. You get skill credits for leveling and you should always have them planned for an intended purpose from level 1. You also need to realize you do not need every skill at level 1 either. Arcane lore is OK to pick up at level 5 since your not going to need it at level 1, and even if you had it, your not going to be able to use anything since your skills will be so bad. You should, from conception, have your first 20 earned skill points planned out on what to buy and when.
People diversify way too much.
There are some with unarmed, sword, and archery, and maybe even war magic thrown in. You need to be focused. You want ONE offensive method and that's it. If you're a melee type, you get in close and your smite something. You rely on your skills and armor to carry you through the fight.