Literally any combination of skills is viable in 90% of the content in ESO. The only times you really need the "top tier" builds is in vet trials and dlc dungeons
Lets say you just want to play a melee character without any “magic” spells. Can that work?
I have 2 characters like that. Neither have any magicka or class skills slotted. I use them for questing. They're just fun knock-about action builds. I have other characters to do the more challenging content.