Not exactly what you're asking for, but I've been messing around in the Creation Kit making a trait mod, although it's more akin to Fallout: New Vegas' implementation than Daggerfall's. There's not going to be any kind of restrictions like you want, as that's tacky, pointless (dude you're literally already in control of what you do in the game), and potentially impossible, but you can choose up to two traits, and each one comes with a bonus and a malus. For example, you have the Trait, Masochist, which gives you constant passive Health regeneration, but also increases the damage you take from every source. Or Pacifist, which makes non-combat skills more effective, but combat skills less effective. It'll be a minute, as I'm still not wholly satisfied with it, but yeah