The idea that you need to min-max or exploit in order to "keep up" with the leveling system by "efficiently leveling", aka the most unfun way to play a video game ever devised, has irreversibly ruined the reputations of both of these games, but especially Oblivion where people insist that it's necessary in order to combat enemy scaling.
The simple fact is that no, both games can be played and enjoyed by playing them as intended and not autistically keeping a spreadsheet of all your level ups, or making a build that chooses skills you don't intend to use, or some other stupid bullshit that completely sucks the fun out of the game.
Literal 12 year old played these games with zero issue, but the internet wants you to believe Oblivion is literally impossible because the leveling is broken or whatever. Get real and actually play the games as intended and you will have fun. Yes, Oblivion is a little harder than Morrowind and Skyrim because the enemies level with you, but you can easily handle it by using the game's intended systems.
You're a GAMER, not a pathetic little baby who can't handle a game designed for teens to enjoy.