So you basically want most of what softcaps did back in the game but implemented differently.
Well I didn't have anything against softcaps to begin with... I'd be okay with it.
I'd like to see the damage increase from max magicka and stamina be on diminishing returns.
The more I think about it, the more I like the idea.
I think it would help balance things out. It would also make having balanced stats (hybrid) be more viable, but still not the best damage.