In Oblivion though bears and cougars could go from regular threats to insta-killers from one level to the next. This had little to do with bad choices on the players part, and everything with the game suddenly beefing them up to a ridiculous degree because you past a certain level.
Oh don't get me wrong, that is a thing and I remember it catching me out too. However, as said, nor was it uncommon for RPGs of the era - reload, move on. Obviously, many games are better designed these days.
But mostly the issue I was replying to was if your build or level up was flawed - and that's not necessarily a game design fault.
The problem is leveling wrong here could involve things like "walking too much", "brought too much" or "used your main weapon too much", you also have the problem that you needed o pick your core skill before the game told you what that meant and you were stuck with your choice then.
Sure. And I can absolutely appreciate how the old ES levelling system was not very intuitive to newbies (I'd gone through that on Morrowind).
But... loads of RPGs once you're part way through you realise you should have got that skill, or that spell, or even just picked a different class period. And it's not that different from losing strategy games because you didn't quite work out how certain units or abilities worked. Or having to reload in action games because you didn't realise that enemy had that ability or where the weak point was on the boss fight or that that door was about to open behind you and half a dozen grunts come out.
I accept that this is often a particular problem in RPGs compared to others, because it is awful to realise you've made a critical error at the start after you've sunk a lot of time and effort into a game, as the prospect of restarting and going through it all again is unappealing. However, if we see how RPGs have dealt with this challenge over the years, it's not so much that they have taken away the problem of character development for the inexperienced, but more that they have added very generous systems to respec your character mid-game.
Finally, please remember I'm mostly trying to say that Oblivion was a product of its era, and many of its flaws are typical for that era.